| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 309 WEBSTER ST DAYTON, OH 45402 | DELTA DENTAL OF MICHIGAN | $5K | $0 | $5K | 1.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | DELTA DENTAL OF MICHIGAN | $3K | $0 | $3K | 1.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 0.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 755 W. BIG BEAVER RD. STE 2300 TROY, MI 48084 | HARTFORD LIFE AND ACCIDENT | $30K | $0 | $30K | 13.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $5K | $5K | 1.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT ST STE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $4K | $4K | 1.87% |
| 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 | 7.07% |
| REBECCA A MCLAUGHLAN3 | 755 W. BIG BEAVER RD. STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | $0 | $3K | 5.24% |
| THOMAS J O KEEFE3 | 206 E LIBERTY ST STE A MILFORD, MI 48381 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.81% |
| LAKE TRUST CREDIT UNION3 | 4605 S OLD US HWY 23 BRIGHTON, MI 48114 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.41% |
| BLTC FUNDING LLC3 | 6201 PRESIDENTIAL CT FORT MYERS, FL 33919 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.87% |
| JOE PULITANO AGENCY, INC.3 Filed as: JOE PULITANO AGENCY INC | 313 WASHINGTON ST STE 225 NEWTON, MA 02458 | TRANSAMERICA LIFE INSURANCE COMPANY | $855 | $0 | $855 | 3.11% |
| SCHILLER & ASSOCIATES LLC4 | 173 COTTAGE LN MILFORD, MI 48381 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $4K | $0 | $4K | 25.57% |
| GREGORY J LIPOSKY4 | 5435 CORPORATE DR. STE 260 TROY, MI 48098 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $45 | $0 | $45 | 0.32% |
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 | 465 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 911 | $323K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 784 | $64K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 466 | $233K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 466 | $233K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 473 | $282K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 911 | — |
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.