| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $44K | $0 | $44K | 1.98% |
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $27K | $0 | $27K | 1.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD SUITE 2300 TROY, MI 48084 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $6K | $17K | 4.25% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 N MILDRED AVE #3 CHICAGO, IL 60618 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 0.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | DELTA DENTAL OF MICHIGAN | $8K | $0 | $8K | 3.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 33213 COLLECTION CENTER DR CHICAGO, IL 60693 | VISION SERVICE PLAN | $6K | $0 | $6K | 10.01% |
| MARSH & MCLENNAN AGENCY LLC4 | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 55428 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | $0 | $3K | 17.00% |
| TRACY KATZ LLC4 | 1662 E MELTON RD BIRMINGHAM, MI 48009 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $416 | $0 | $416 | 2.26% |
| PETRILL AND ASSOCIATES LLC4 | 1613 LOOKOUT CIRCLE WAXHAW, NC 28173 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $86 | $0 | $86 | 0.47% |
| PROPER CARE4 | 10229 S RIVER TRL KNOXVILLE, TN 37922 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $86 | $0 | $86 | 0.47% |
| SUCCESS PARTNERS INTERNATIONAL4 | P.O. BOX 865 GRANTHAM, NH 03753 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $29 | $0 | $29 | 0.16% |
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 | 437 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 464 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 425 | $3.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 751 | $250K |
| Vision | VISION SERVICE PLAN | 295 | $56K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 432 | $402K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 432 | $402K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 432 | $402K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 425 | $3.6M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 432 | $434K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 751 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.