| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $79K | $72K | $151K | 4.20% |
| CATALYST SOLUTIONS GROUP3 | 28 W ADAMS, SUITE 1600 DETROIT, MI 48226 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $361K | $189K | $550K | 30.25% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST, STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $37K | $37K | 2.02% |
| CATALYST SOLUTIONS GROUP3 | 28 W ADAMS, SUITE 1600 DETROIT, MI 48226 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $17K | $12K | $29K | 15.10% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST, STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $949 | $949 | 0.49% |
| 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 | $639 | $18K | 15.56% |
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 | 26,147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 146 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 26,293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,634 | $384K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 23,672 | $8.8M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 19,610 | $9.4M |
| Long-term disability(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 14,676 | $11.7M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 15,250 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,672 | — |
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.