| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | HARTFORD LIFE AND ACCIDENT | $125K | $2K | $127K | 25.38% |
| ROBERT WILLIAM CARROLL3 Filed as: ROBERT W. CARROLL | 16267 W. 14 MILE RD., SUITE 202 BEVERLY HILLS, MI 48025 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16K | $3K | $19K | 11.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 1.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | HEALTH ALLIANCE PLAN | $2K | — | $2K | 2.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $15K | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | AETNA BEHAVIORAL HEALTH, LLC | $6K | — | $6K | 28.17% |
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 | 471 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 140 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 611 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH ALLIANCE PLAN | 557 | $112K |
| Vision | HEALTH ALLIANCE PLAN | 12 | $89K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 565 | $589K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 565 | $671K |
| Prescription drug | HEALTH ALLIANCE PLAN | 12 | $89K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 565 | $524K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 565 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.