| 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 | $10K | $0 | $10K | 3.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 755 W. BIG BEAVER RD. STE 2300 TROY, MI 48084 | HARTFORD LIFE AND ACCIDENT | $25K | $0 | $25K | 12.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT ST STE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 1.26% |
| REBECCA A MCLAUGHLAN3 | 755 W. BIG BEAVER RD. STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $22K | $0 | $22K | 47.42% |
| 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 | 10.26% |
| THOMAS J O KEEFE3 | 206 E LIBERTY ST STE A MILFORD, MI 48381 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 20.25% |
| LAKE TRUST CREDIT UNION3 | 4605 S OLD US HWY 23 BRIGHTON, MI 48114 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.71% |
| BLTC FUNDING LLC3 | 6201 PRESIDENTIAL CT FORT MYERS, FL 33919 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.47% |
| JOE PULITANO AGENCY, INC.3 Filed as: JOE PULITANO AGENCY INC | 313 WASHINGTON ST STE 225 NEWTON, MA 02458 | TRANSAMERICA LIFE INSURANCE COMPANY | $790 | $0 | $790 | 3.34% |
| SCHILLER & ASSOCIATES LLC4 | 173 COTTAGE LN MILFORD, MI 48381 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | $0 | $3K | 35.87% |
| GREGORY J LIPOSKY4 | 5435 CORPORATE DR. STE 260 TROY, MI 48098 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $40 | $0 | $40 | 0.50% |
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 | 440 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 468 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 867 | $328K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 737 | $46K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 440 | $194K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 440 | $194K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 443 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 867 | — |
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.