| 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 | $35K | — | $35K | 2.95% |
| REBECCA A MCLAUGHLAN3 Filed as: REBECCA A. MCLAUGHLAN | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $12K | — | $12K | 1.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 0.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | GUARDIAN | $14K | $7K | $21K | 15.14% |
| LUCIDO MORRIS ASSOCIATES, LLC3 | 24255 W. 13 MILE ROAD, SUITE 250 BINGHAM FARMS, MI 48025 | GUARDIAN | $137 | — | $137 | 0.10% |
| GREGORY CRAWFORD3 Filed as: GREGORY E CRAWFORD | 1111 S. WESTWOOD DR MIDLAND, MI 48640 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 5.40% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.99% |
| JASON L GLICK3 | 7628 GRATIOT RD., SUITE 101 SAGINAW, MI 48609 | CONTINENTAL AMERICAN INSURANCE COMPANY | $959 | — | $959 | 3.70% |
| RICHARD P SOMMERS3 | 1390 WEST BLVD BERKLEY, MI 48072 | CONTINENTAL AMERICAN INSURANCE COMPANY | $488 | — | $488 | 1.88% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.92% |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 269 | $1.2M |
| Dental | GUARDIAN | 108 | $142K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 322 | $19K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 269 | $1.2M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 148 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.