| 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 | $76K | $69K | $144K | 3.84% |
| CATALYST SOLUTIONS GROUP3 | 28 W ADAMS, SUITE 1600 DETROIT, MI 48226 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $389K | $198K | $587K | 27.66% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST, STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $46K | $46K | 2.16% |
| FLYNN & CO EMPLOYEE BENEFIT SERVICE3 Filed as: FLYNN AND COMPANY INC | STE. 100 3001 W. BIG BEAVER TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 15.00% |
| CATALYST SOLUTIONS GROUP3 | 28 W ADAMS, SUITE 1600 DETROIT, MI 48226 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $12K | $8K | $20K | 15.15% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST, STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $497 | $497 | 0.38% |
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 | 42,560 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 86 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 42,646 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,318 | $307K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 36,407 | $10.5M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 33,776 | $12.6M |
| Long-term disability(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 19,784 | $13.2M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 21,965 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 36,407 | — |
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."
No prospect flags tripped on this filing.