| 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 | $62K | $56K | $119K | 3.86% |
| 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 | $16K | $793 | $17K | 15.75% |
| CATALYST SOLUTIONS GROUP3 | 28 W ADAMS, SUITE 1600 DETROIT, MI 48226 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $2K | $171 | $2K | 10.77% |
| SIGNATOR INSURANCE AGENCY INC3 | 197 CLARENDON ST C 8-8 BOSTON, MA 02116 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $97 | — | $97 | 11.86% |
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 | 23,235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 167 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 23,402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 25,029 | $8.2M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 15,591 | $6.8M |
| Long-term disability(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 11,648 | $7.7M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 15,035 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 25,029 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.