| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | STANDARD INSURANCE COMPANY | $64K | $3K | $68K | 21.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | STANDARD INSURANCE COMPANY | $65K | $3K | $68K | 23.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $251 | $2K | 7.19% |
| CARROLL, ROBERT, WILLIAM3 | STE 202 16267 W 14 MILE RD BEVERLY HILLS, MI 48025 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $364 | $3 | $367 | 1.55% |
| DRUMHELLER, GLORIA, M3 | SOMERSET FINANCIAL PLANNING PO BOX 4576 TROY, MI 48099 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $235 | — | $235 | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $651 | $528 | $1K | 9.21% |
| DRUMHELLER, GLORIA, M3 | SOMERSET FINANCIAL PLANNING PO BOX 4576 TROY, MI 48099 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $178 | — | $178 | 1.39% |
| CARROLL, ROBERT, WILLIAM3 | STE 202 16267 W 14 MILE RD BEVERLY HILLS, MI 48025 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $112 | — | $112 | 0.88% |
| MCLEOD AGENCY INC3 | 6001 N ADAMS RD STE 201 BLOOMFIELD, MI 48304 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $106 | — | $106 | 3.18% |
| DOUGLAS D REAUME & ASSOCIATES3 | 31000 LAHSER RD STE 9 BEVERLY HILLS, MI 48025 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.24% |
| DRUMHELLER, GLORIA, M3 | SOMERSET FINANCIAL PLANNING PO BOX 4576 TROY, MI 48099 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 1.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $3 | $10 | 1.15% |
| MCLEOD AGENCY INC3 | 6001 N ADAMS RD STE 201 BLOOMFIELD HILLS, MI 48304 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 4.02% |
| CARROLL, ROBERT, WILLIAM3 | STE 202 16267 W 14 MILE RD BEVERLY HILLS, MI 48025 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23 | $5 | $28 | 13.02% |
| DRUMHELLER, GLORIA, M3 | SOMERSET FINANCIAL PLANNING PO BOX 4576 TROY, MI 48099 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 4.80% |
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 | 401 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 127 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 540 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 672 | $317K |
| Long-term disability | STANDARD INSURANCE COMPANY | 376 | $283K |
| Other(8 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 672 | $358K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 672 | — |
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.