| 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 | $54K | — | $54K | 1.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W BIG BEAVER RD, STE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MI | — | $2K | $2K | 0.07% |
| THOMAS MCGRAW3 | 3331 W BIG BEAVER, STE 200 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $28K | — | $28K | 3.01% |
| 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 | $16K | $40 | $16K | 2.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE, STE 400, PARK 80 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE CO | — | $5K | $5K | 0.95% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNITED HEALTHCARE INSURANCE CO | $9K | $2K | $10K | 2.26% |
| MCGRAW, THOMAS P3 Filed as: MCGRAW WENTWORTH-MMA | 3331 W BIG BEAVER, STE 200 TROY, MI 48084 | UNITED HEALTHCARE INSURANCE CO | $2K | — | $2K | 0.36% |
| 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 | $21K | $4K | $25K | 11.78% |
| 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 | $2K | $16K | 11.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN | 3331 W BIG BEAVER, STE 200 TROY, MI 48084 | UNUM LIFE INSURANCE CO | $66K | $6K | $72K | 63.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 3331 W BIG BEAVER, STE 200 TROY, MI 48084 | LIFE INSURANCE CO OF NORTH AMERICA | $10K | $2K | $12K | 11.74% |
| MCGRAW, THOMAS P3 Filed as: MCGRAW WENTWORTH-MMA | 3331 W BIG BEAVER, STE 200 TROY, MI 48084 | UNITEDHEALTHCARE INSURANCE CO | $6K | — | $6K | 10.87% |
| LIBERTY INSURANCE SERVICES3 | 1910 COCHRAN RD. MANOR 2, STE 800 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $2K | — | $2K | 6.78% |
| 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 | $216 | $1K | 11.75% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | EYEMED | $437 | — | $437 | 10.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 3331 W BIG BEAVER RD TROY, MI 48084 | EYEMED | $36 | — | $36 | 0.83% |
| 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 | — | $37 | $37 | 1.80% |
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 | 555 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 561 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | BLUE CROSS BLUE SHIELD OF MI | 743 | $5.2M |
| Dental | METROPOLITAN LIFE INSURANCE CO | 1,131 | $534K |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE CO | 768 | $64K |
| Life insurance | LIFE INSURANCE CO OF NORTH AMERICA | 555 | $213K |
| Short-term disability | LIFE INSURANCE CO OF NORTH AMERICA | 555 | $137K |
| Long-term disability | LIFE INSURANCE CO OF NORTH AMERICA | 555 | $99K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 222 | $942K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE CO OF NORTH AMERICA | 555 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,131 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.