| 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 | $33K | — | $33K | 0.73% |
| REBECCA A MCLAUGHLAN3 Filed as: REBECCA MCLAUGHLAN | 3331 W BIG BEAVER, STE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MI | $6K | — | $6K | 0.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W BIG BEAVER RD, STE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MI | — | $4K | $4K | 0.09% |
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MGT | 1215 MANOR DR, STE 200 MECHANICSBURG, PA 17055 | CIGNA | $1K | $87K | $88K | 2.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 3331 W BIG BEAVER RD., STE 200 TROY, MI 48084 | CIGNA | $1K | $74K | $76K | 1.95% |
| REBECCA A MCLAUGHLAN3 Filed as: REBECCA MCLAUGHLAN | 3331 W BIG BEAVER, STE 200 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $43K | — | $43K | 5.88% |
| THOMAS MCGRAW3 | 3331 W BIG BEAVER, STE 200 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $15K | — | $15K | 2.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY | 3331 W BIG BEAVER, STE 200 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.20% |
| 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 | $58 | $16K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE, STE 400, PARK 80 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE CO | — | $8K | $8K | 1.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 3331 W BIG BEAVER, STE 200 TROY, MI 48084 | UNITED HEALTHCARE INSURANCE CO | $10K | — | $10K | 3.46% |
| 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 | $25K | $3K | $29K | 11.37% |
| 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 | $19K | $3K | $22K | 11.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 3331 W BIG BEAVER, STE 200 TROY, MI 48084 | LIFE INSURANCE CO OF NORTH AMERICA | $13K | $2K | $14K | 11.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN | 3331 W BIG BEAVER, STE 200 TROY, MI 48084 | UNUM LIFE INSURANCE CO | $34K | $3K | $37K | 29.73% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE AND BENEFITS SERVICES | 1215 MANOR DR., STE 200 MECHANICSBURG, PA 17055 | UNITED CONCORDIA INS CO | $2K | $96 | $2K | 1.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 3331 W BIG BEAVER, STE 200 TROY, MI 48084 | UNITED CONCORDIA INS CO | $1K | — | $1K | 0.89% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE AND BENEFIT SERVICES | 1215 MANOR DR., STE 200 MECHANICSBURG, PA 17055 | HARTFORD LIFE AND ACCIDENT | $7K | $760 | $8K | 7.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 3331 W BIG BEAVER RD., STE 200 TROY, MI 48084 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 7.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER, STE 200 TROY, MI 48084 | UNITEDHEALTHCARE INSURANCE CO | $7K | — | $7K | 9.18% |
| 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 | $203 | $2K | 11.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 3331 W BIG BEAVER RD TROY, MI 48084 | EYEMED | $420 | — | $420 | 9.21% |
| 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 | — | $30 | $30 | 1.48% |
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 | 623 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 635 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | BLUE CROSS BLUE SHIELD OF MI | 888 | $9.7M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE CO | 1,183 | $658K |
| Vision(3 contracts, 3 carriers) | CIGNA | 360 | $4.0M |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE CO OF NORTH AMERICA | 623 | $362K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE CO OF NORTH AMERICA | 623 | $301K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE CO OF NORTH AMERICA | 623 | $236K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MI | 888 | $5.2M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE CO | 623 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,183 | — |
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.