| 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 | $73K | $2K | $75K | 22.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | STANDARD INSURANCE COMPANY | $76K | $2K | $78K | 25.70% |
| 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 | $318 | $2K | 8.34% |
| CARROLL, ROBERT, WILLIAM3 | STE 202 16267 W 14 MILE RD BEVERLY HILLS, MI 48025 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $295 | — | $295 | 1.46% |
| DRUMHELLER, GLORIA, M3 | SOMERSET FINANCIAL PLANNING PO BOX 4576 TROY, MI 48099 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $179 | — | $179 | 0.89% |
| 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 | $865 | $101 | $966 | 7.59% |
| DRUMHELLER, GLORIA, M3 | SOMERSET FINANCIAL PLANNING PO BOX 4576 TROY, MI 48099 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $137 | — | $137 | 1.08% |
| CARROLL, ROBERT, WILLIAM3 | STE 202 16267 W 14 MILE RD BEVERLY HILLS, MI 48025 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $111 | — | $111 | 0.87% |
| MCLEOD AGENCY INC3 | 6001 N ADAMS RD STE 201 BLOOMFIELD HILLS, MI 48304 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $111 | — | $111 | 3.20% |
| 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 | $265 | $11 | $276 | 16.36% |
| DRUMHELLER, GLORIA, M3 | SOMERSET FINANCIAL PLANNING PO BOX 4576 TROY, MI 48099 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 1.50% |
| 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 | $5 | — | $5 | 0.58% |
| MCLEOD AGENCY INC3 | 6001 N ADAMS RD STE 201 BLOOMFIELD HILLS, MI 48304 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 3.97% |
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 | 380 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 120 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 518 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 691 | $331K |
| Long-term disability | STANDARD INSURANCE COMPANY | 335 | $304K |
| Other(8 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 691 | $370K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 691 | — |
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.