| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W. BIG BEAVER ROAD, SUITE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $41K | $1K | $43K | 3.06% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $14K | — | $14K | 0.98% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 8.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 755 W, BIG BEAVER ROAD, SUITE 2300 TROY, MI 48084 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $8K | $10K | 6.85% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 7.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W. BIG BEAVER ROAD, SUITE 200 TROY, MI 48084 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $748 | — | $748 | 3.66% |
| GREGORY CRAWFORD3 Filed as: GREGORY E. CRAWFORD | 1111 S. WESTWOOD DRIVE MIDLAND, MI 48640 | CONTINENTAL AMERICAN INSURANCE COMPANY | $422 | — | $422 | 2.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W. BIG BEAVER ROAD, SUITE 200 TROY, MI 48084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $351 | — | $351 | 2.09% |
| JASON L GLICK3 Filed as: JASON L. GLICK | 7628 GRATIOT ROAD, SUITE 101 SAGINAW, MI 48609 | CONTINENTAL AMERICAN INSURANCE COMPANY | $318 | — | $318 | 1.89% |
| RICHARD P SOMMERS3 Filed as: RICHARD P. SOMMERS | 1390 WEST BOULEVARD BERKLEY, MI 48072 | CONTINENTAL AMERICAN INSURANCE COMPANY | $96 | — | $96 | 0.57% |
| MATTHEW THOMAS NEMODE3 Filed as: MATTHEW T. NEMODE | 3145 OAKBROOK WAY BAY CITY, MI 48706 | CONTINENTAL AMERICAN INSURANCE COMPANY | $61 | — | $61 | 0.36% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: MARSH & MCLENNAN AGENCY, LLC | 755 W. BIG BEAVER ROAD, SUITE 2300 TROY, MI 48084 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $517 | — | $517 | 14.58% |
| LOCKTON COMPANIES, LLC4 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $36 | — | $36 | 1.02% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 306 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 122 | $153K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 354 | $20K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 306 | $1.4M |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 152 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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.