| 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 | $68K | $62K | $130K | 4.20% |
| CATALYST SOLUTIONS GROUP3 | 28 W ADAMS, SUITE 1600 DETROIT, MI 48226 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $427K | — | $427K | 29.84% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST, STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $33K | $33K | 2.29% |
| CATALYST SOLUTIONS GROUP3 | 28 W ADAMS, SUITE 1600 DETROIT, MI 48226 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $22K | $25K | $47K | 20.87% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST, STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 0.53% |
| 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 | $17K | $854 | $18K | 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 | 27,086 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 196 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 27,282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 3,020 | $503K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 25,180 | $8.8M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 20,865 | $8.9M |
| Long-term disability(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 14,486 | $10.6M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 15,620 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 25,180 | — |
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.