| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT SETTLE3 | 2600 W BIG BEAVER ROAD SUITE 140 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $60K | $0 | $60K | 1.72% |
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $20K | $0 | $20K | 0.56% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SRVCE LLC STOCKTON CONCORD | 3333 DEPOSIT DRIVE NE SUITE 230 GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $1K | $1K | 0.03% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC-MIDWEST | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23K | $17K | $39K | 18.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 5.18% |
| WEB BENEFITS DESIGN CORPORATION3 | 4725 W SAND LAKE RD STE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $520 | $520 | 0.24% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | DELTA DENTAL OF MICHIGAN | $9K | $0 | $9K | 4.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | DELTA DENTAL OF MICHIGAN | $930 | $0 | $930 | 0.49% |
| USI INSURANCE SERVICES LLC3 | 2600 W. BIG BEAVER ROAD, SUITE 140 TROY, MI 48084 | EYEMED | $978 | $0 | $978 | 3.47% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC-MIDWEST | PO BOX 62889 VIRGINIA BEACH, VA 23466 | MUTUAL OF OMAHA | $496 | $554 | $1K | 14.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | MUTUAL OF OMAHA | $246 | $0 | $246 | 3.31% |
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 | 293 | 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. |
| Total participants (= "Plan participants" tile) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 429 | $3.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 526 | $189K |
| Vision | EYEMED | 448 | $28K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 293 | $218K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 293 | $218K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 293 | $218K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 429 | $3.5M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 373 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 526 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.