| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF MICHIGAN | $9K | — | $9K | 3.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH, A MARSH AND MCLEN | 3331 WEST BIG BEAVER RD TROY, MI 48084 | LIBERTY LIFE ASSURANCE CO | $13K | $3K | $16K | 9.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH, A MARSH MCLENNAN | 3331 W BIG BEAVER TROY, MI 48084 | LIBERTY LIFE ASSURANCE CO | $11K | $2K | $12K | 12.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH, A MARSH MCLENNAN | 3331 W BIG BEAVER TROY, MI 48084 | LIBERTY LIFE ASSURANCE CO | $5K | $1K | $6K | 9.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 15415 MIDDLEBELT RD LIVONIA, MI 48154 | FEDERAL INSURANCE CO | $273 | — | $273 | 15.00% |
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 | 488 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 490 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 859 | $223K |
| Life insurance | LIBERTY LIFE ASSURANCE CO | 576 | $161K |
| Short-term disability | LIBERTY LIFE ASSURANCE CO | 531 | $67K |
| Long-term disability | LIBERTY LIFE ASSURANCE CO | 576 | $97K |
| Other(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE CO | 609 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 859 | — |
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.