| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS MCGRAW3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $18K | $0 | $18K | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $3K | $3K | 0.16% |
| DAVID ERWIN3 Filed as: DAVID CARLESIMO | 3955 PINNACLE COURT, STE 100 AUBURN HILLS, MI 48326 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $1K | $0 | $1K | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $36K | $0 | $36K | 2.67% |
| ZACH CORPORATION3 | 622 PROGRESS AVE WATERLOO, IA 50701 | WELLMARK HEALTH PLAN OF IOWA | $14K | $0 | $14K | 2.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DELTA DENTAL PLAN OF MICHIGAN | $6K | $0 | $6K | 2.84% |
| DYNAMIC BENEFIT AGENCY3 | 3955 PINNACLE COURT, STE 100 AUBURN HILLS, MI 48326 | DELTA DENTAL PLAN OF MICHIGAN | $5K | $0 | $5K | 2.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $2K | $17K | 12.90% |
| DYNAMIC BENEFIT AGENCY3 | 3955 PINNACLE COURT, STE 100 AUBURN HILLS, MI 48326 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 3.82% |
| ZACH CORPORATION3 | 622 PROGRESS AVE WATERLOO, IA 50701 | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | $3K | $0 | $3K | 3.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 6.26% |
| DYNAMIC BENEFIT AGENCY3 | 3955 PINNACLE COURT, STE 100 AUBURN HILLS, MI 48326 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 3.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH (A MARCH MCLENNAN) | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 480842814 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $40 | $3K | 11.63% |
| DYNAMIC BENEFIT AGENCY3 | 3955 PINNACLE COURT, STE 100 AUBURN HILLS, MI 483261787 | METROPOLITAN LIFE INSURANCE COMPANY | $487 | $0 | $487 | 1.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE., STE 400 SADDLE BROOK, NJ 076635832 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $219 | $219 | 0.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 480842814 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $40 | $40 | 0.15% |
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 | 650 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 650 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 506 | $3.9M |
| Dental | DELTA DENTAL PLAN OF MICHIGAN | 792 | $217K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 278 | $50K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 563 | $156K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 490 | $27K |
| Prescription drug(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 506 | $3.8M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 563 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 792 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.