| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUNLIFE ASSURANCE COMPANY OF CANADA | $85K | — | $85K | 12.22% |
| MARSH & MCLENNAN AGENCY LLC3 | BECKY MCLAUGHLAN 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | DELTA DENTAL OF MICHIGAN | $8K | — | $8K | 1.37% |
| MARSH & MCLENNAN AGENCY LLC3 | BECKY MCLAUGHLAN 2300 RENISSANCE BLVD KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF MICHIGAN | $692 | — | $692 | 0.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 33213 COLLECTION CENTER DR CHICAGO, IL 60693 | VISION SERVICE PROVIDER | $3K | — | $3K | 2.25% |
| MARSH & MCLENNAN AGENCY LLC4 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $6K | — | $6K | 17.00% |
| SCOTT BECK4 | 6 PETER COOPER RD APT 13G NEW YORK, NY 10010 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $666 | — | $666 | 2.00% |
| RX BENEFITS3 Filed as: RX BENEFITS, INC | 3700 COLONNADE PKWY STE 600 BIRMINGHAM, AL 35243 | RX BENEFITS, INC | $30K | — | $30K | — |
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $20K | $13K | $32K | — |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | — | $5K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Contract Administrator; Direct payment from the plan; Consulting (general); Other fees; Claims processing; Insurance services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | $700K |
| SUNLIFE ASSURANCE COMPANY OF CANADA EIN 38-1082080 TPA | Claims processing Service code 12 | 96 WORCESTER STREET WELLESLEY HILLS, ME 02481 | $55K |
| REBECCA A MCLAUGHLAN | Insurance agents and brokers; Non-monetary compensation; Insurance brokerage commissions and fees; Other fees; Other commissions Service code 22 | — | $32K |
| MARSH & MCLENNAN AGENCY | Insurance agents and brokers; Other fees; Insurance brokerage commissions and fees; Claims processing; Non-monetary compensation; Other commissions Service code 12 | — | $6K |
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 | 822 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 138 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 960 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,528 | $0 |
| Dental | DELTA DENTAL OF MICHIGAN | 1,345 | $550K |
| Vision | VISION SERVICE PROVIDER | 600 | $143K |
| Life insurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 816 | $693K |
| Long-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 816 | $693K |
| Prescription drug | RX BENEFITS, INC | 735 | $0 |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,528 | $0 |
| Other(2 contracts, 2 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 816 | $727K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,528 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.