| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W. BIG BEAVER, STE. 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $54K | $49K | $104K | 4.20% |
| CREATIVE COMPENSATION GROUP3 | 350 N. OLD WOODWARD, SUITE 250 BIRMINGHAM, MI 48009 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $124K | $63K | $187K | 28.29% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $0 | $12K | $12K | 1.86% |
| CREATIVE COMPENSATION GROUP3 | 350 N. OLD WOODWARD, SUITE 250 BIRMINGHAM, MI 48009 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $25K | $16K | $41K | 17.63% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST, SUITE 900 PORTLAND, PA 97209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $0 | $1K | $1K | 0.62% |
| FLYNN & CO EMPLOYEE BENEFIT SERVICE3 Filed as: FLYNN AND COMPANY INC | 3001 W. BIG BEAVER, STE. 100 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $670 | $14K | 15.75% |
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 | 21,662 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 147 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 21,809 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 28,398 | $12.8M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 21,713 | $7.3M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 15,270 | $5.8M |
| Long-term disability(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 11,205 | $7.5M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 14,498 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,398 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.