| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | DELTA DENTAL OF MICHIGAN | $11K | $0 | $11K | 2.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 755 W. BIG BEAVER RD. STE 2300 TROY, MI 48084 | HARTFORD LIFE AND ACCIDENT | $31K | $0 | $31K | 11.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $7K | $7K | 2.64% |
| REBECCA A MCLAUGHLAN3 | 755 W. BIG BEAVER RD. STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $25K | $0 | $25K | 41.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 755 W. BIG BEAVER RD. STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $5K | $5K | 8.97% |
| THOMAS J O KEEFE3 | 206 E LIBERTY ST STE A MILFORD, MI 48381 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.86% |
| BLTC FUNDING LLC3 | 6201 PRESIDENTIAL CT FORT MYERS, FL 33919 | TRANSAMERICA LIFE INSURANCE COMPANY | $500 | $0 | $500 | 2.04% |
| LAKE TRUST CREDIT UNION3 | 4605 S OLD US HWY 23 BRIGHTON, MI 48114 | TRANSAMERICA LIFE INSURANCE COMPANY | $477 | $0 | $477 | 1.94% |
| JOE PULITANO AGENCY, INC.3 Filed as: JOE PULITANO AGENCY INC | 313 WASHINGTON ST STE 225 NEWTON, MA 02458 | TRANSAMERICA LIFE INSURANCE COMPANY | $322 | $0 | $322 | 1.31% |
| SCHILLER & ASSOCIATES LLC4 | 173 COTTAGE LN MILFORD, MI 48381 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $4K | $0 | $4K | 24.84% |
| GREGORY J LIPOSKY4 | 5919 MILLER WAY E BLOOMFIELD TOWNSHIP, MI 48301 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $41 | $0 | $41 | 0.25% |
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 | 490 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 504 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 879 | $375K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 762 | $61K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 469 | $257K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 469 | $257K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 475 | $306K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 879 | — |
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.