| 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 | $94K | $8K | $102K | 26.80% |
| 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 | $14K | $3K | $17K | 9.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $4K | $9K | 4.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE., SUITE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 6.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $14K | 19.11% |
| ROBERT WILLIAM CARROLL3 | 16267 W. 14 MILE RD., SUITE 202 BEVERLY HILLS, MI 48025 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $150 | $34 | $184 | 13.19% |
| GLORIA M DRUMHELLER3 Filed as: GLORIA M DUMHELLER | P.O. BOX 4576 TROY, MI 48099 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.79% |
| ROBERT WILLIAM CARROLL3 | 16267 W. 14 MILE RD., SUITE 202 BEVERLY HILLS, MI 48025 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | -$3 | — | -$3 | -0.47% |
| MCLEOD AGENCY INC3 Filed as: MCLEOD AGENCY INC. | 6001 N. ADAMS RD., SUITE 201 BLOOMFIELD HILLS, MI 48304 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 4.09% |
| GLORIA M DRUMHELLER3 | P.O. BOX 4576 TROY, MI 48099 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 4.26% |
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 | 456 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 149 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 605 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 857 | $613K |
| Long-term disability(7 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 857 | $723K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 857 | $538K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 857 | — |
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.