| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE., SUITE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $172K | $30K | $202K | 27.33% |
| 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 | $11K | $2K | $13K | 8.70% |
| 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 | $2K | $7K | 4.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $359 | $2K | 7.83% |
| ROBERT WILLIAM CARROLL3 | 16267 W. 14 MILE RD SUITE 202 BEVERLY HILLS, MI 48025 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $356 | — | $356 | 1.59% |
| GLORIA M DRUMHELLER3 | P.O. BOX 4576 TROY, MI 48099 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $240 | — | $240 | 1.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $677 | $434 | $1K | 9.31% |
| GLORIA M DRUMHELLER3 | P.O. BOX 4576 TROY, MI 48099 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $181 | — | $181 | 1.52% |
| ROBERT WILLIAM CARROLL3 | 16267 W. 14 MILE RD SUITE 202 BEVERLY HILLS, MI 48025 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $104 | — | $104 | 0.87% |
| MCLEOD AGENCY INC3 Filed as: MCLEOD AGAENCY INC. | 6001 N. ADAMS RD., SUITE 201 BLOOMFIELD HILLS, MI 48304 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $106 | — | $106 | 3.19% |
| DOUGLAS D REAUME & ASSOCIATES3 | 31000 LAHSER RD., SUITE 9 BEVERLY HILLS, MI 48025 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.21% |
| ROBERT WILLIAM CARROLL3 | 16267 W. 14 MILE RD., SUITE 202 BEVERLY HILLS, MI 48025 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $127 | $29 | $156 | 13.22% |
| GLORIA M DRUMHELLER3 Filed as: GLORIA M DUMHELLER | P.O. BOX 4576 TROY, MI 48099 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 1.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $4 | $8 | 1.02% |
| MCLEOD AGENCY INC3 Filed as: MCLEOD AGENCY INC. | 6001 N. ADAMS RD., SUITE 201 BLOOMFIELD HILLS, MI 48304 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 3.96% |
| GLORIA M DRUMHELLER3 | P.O. BOX 4576 TROY, MI 48099 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 4.39% |
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 | 435 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 141 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 576 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 681 | $740K |
| Long-term disability(9 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 681 | $932K |
| Other | STANDARD INSURANCE COMPANY | 681 | $740K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 681 | — |
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.