| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS MCGRAW3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $26K | — | $26K | 2.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48071 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | GUARDIAN | $13K | — | $13K | 10.00% |
| LUCIDO MORRIS ASSOCIATES, LLC3 | 24255 W. 13 MILE ROAD, SUITE 250 BINGHAM FARMS, MI 48025 | GUARDIAN | $269 | — | $269 | 0.20% |
| GREGORY CRAWFORD3 Filed as: GREGORY E CRAWFORD | 1111 S. WESTWOOD DR MIDLAND, MI 48640 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 24.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 21.87% |
| JASON L GLICK3 | 7628 GRATIOT RD., SUITE 101 SAGINAW, MI 48609 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 9.11% |
| RICHARD P SOMMERS3 | 1830 HANDLEY ST SAGINAW, MI 48602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 5.90% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 7.28% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 270 | $1.1M |
| Dental | GUARDIAN | 97 | $135K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 301 | $17K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 270 | $1.1M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 146 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.