| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS MCGRAW3 | 3331 W BIG BEAVER, STE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MI | $52K | — | $52K | 1.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W BIG BEAVER RD, STE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MI | — | $3K | $3K | 0.09% |
| THOMAS MCGRAW3 | 3331 W BIG BEAVER, STE 200 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $56K | — | $56K | 3.79% |
| EMS FINANCIAL SERVICES LLC3 Filed as: EMS FINANCIAL SSERICES LLC | 6724 MAIN STREET WILLIAMSVILLE, NY 14221 | UNIVERA | $25K | — | $25K | 4.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH A MARSH & MCLENNAN | 3331 WEST BIG BEAVER RD, STE 200 TROY, MI 48084 | METROPOLITAN LIFE INSURANCE CO | $14K | $38 | $14K | 2.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE, STE 400, PARK 80 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE CO | — | $3K | $3K | 0.55% |
| BRUCE BUTTLE3 | 425 US HIGHWAY 30, STE 300 DYER, IN 46311 | UNITED HEALTHCARE INSURANCE CO | $7K | $839 | $8K | 1.91% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNITED HEALTHCARE INSURANCE CO | $3K | — | $3K | 0.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 3331 W BIG BEAVER RD., STE 200 TROY, MI 48084 | LIFE INSURANCE CO OF NORTH AMERICA | $24K | $2K | $26K | 10.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 3331 W BIG BEAVER RD, STE 200 TROY, MI 48084 | LIFE INSURANCE CO OF NORTH AMERICA | $14K | $809 | $15K | 10.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 3331 W BIG BEAVER, STE 200 TROY, MI 48084 | LIFE INSURANCE CO OF NORTH AMERICA | $11K | $1K | $12K | 11.00% |
| MCGRAW, THOMAS P3 Filed as: MCGRAW WENTWORTH-MMA | 3331 W BIG BEAVER, STE 200 TROY, MI 48084 | UNITEDHEALTHCARE INSURANCE CO | $6K | — | $6K | 9.95% |
| KEVIN D GREGORY3 Filed as: KEVIN GREGORY | 4496 GREEWOLD CLEVELAND, OH 44121 | KANAWHA INSURANCE CO | $4K | — | $4K | 12.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLELLAN AGENCY | 3331 W BIG BEAVER RD TROY, MI 48084 | KANAWHA INSURANCE CO | $817 | — | $817 | 2.37% |
| GREGORY, KEVIN D3 Filed as: GREGORY KEVIN D | 4496 GREENWOLD CLEVELAND, OH 44121 | KANAWHA INSURANCE COMPANY | $3K | — | $3K | 18.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER RD TROY, MI 48084 | KANAWHA INSURANCE COMPANY | $913 | — | $913 | 6.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 3331 W BIG BEAVER RD., STE 200 TROY, MI 48084 | LIFE INSURANCE CO OF NORTH AMERICA | $1K | $121 | $1K | 10.91% |
| BUTTLE FINANCIAL NETWORK LTD3 Filed as: BUTTLE, BRUCE | 425 US ROUTE 30, STE 300 DYER, IN 46311 | EYEMED | $426 | — | $426 | 9.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 3331 W BIG BEAVER, STE 200 TROY, MI 48084 | CIGNA LIFE INSURANCE CO OF NEW YORK | — | $20 | $20 | 0.96% |
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 | 525 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 532 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF MI | 541 | $5.5M |
| Dental | METROPOLITAN LIFE INSURANCE CO | 1,061 | $483K |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE CO | 291 | $65K |
| Life insurance | LIFE INSURANCE CO OF NORTH AMERICA | 525 | $237K |
| Short-term disability | LIFE INSURANCE CO OF NORTH AMERICA | 525 | $145K |
| Long-term disability | LIFE INSURANCE CO OF NORTH AMERICA | 525 | $108K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 315 | $2.1M |
| Other(4 contracts, 4 carriers) | KANAWHA INSURANCE CO | 525 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,061 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.