| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | DELTA DENTAL | $9K | $771 | $10K | 2.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 755 W. BIG BEAVER RD. STE 2300 TROY, MI 48084 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $30K | $10K | $40K | 17.64% |
| REBECCA A MCLAUGHLAN3 | 755 W. BIG BEAVER RD. STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $27K | $0 | $27K | 59.00% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSO LLC | 30600 NORTHWESTERN HWY STE 200 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $4K | $4K | 9.65% |
| 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 | $31 | $31 | 0.07% |
| GREG LIPOSKY3 | 27750 STANSBURY #100 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | -$2K | $0 | -$2K | -3.87% |
| THOMAS J O KEEFE3 | 206 E LIBERTY ST STE A MILFORD, MI 48381 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 13.19% |
| JOE PULITANO AGENCY, INC.3 Filed as: JOE PULITANO AGENCY INC | 313 WASHINGTON ST STE 225 NEWTON, MA 02458 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.58% |
| LAKE TRUST CREDIT UNION3 | 4605 S OLD US HWY 23 BRIGHTON, MI 48114 | TRANSAMERICA LIFE INSURANCE COMPANY | $730 | $0 | $730 | 4.12% |
| SCHILLER & ASSOCIATES LLC4 | 173 COTTAGE LN MILFORD, MI 48381 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 32.08% |
| GREGORY J LIPOSKY4 | 5435 CORPORATE DR. STE 260 TROY, MI 48098 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $157 | $0 | $157 | 2.34% |
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 | 433 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 460 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 856 | $342K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 717 | $45K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 432 | $224K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 432 | $224K |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 443 | $256K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 856 | — |
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.