| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $38K | $0 | $38K | 2.40% |
| JONATHAN TRIONFI3 | 2601 CAMBRIDGE COURT SUITE 500 AUBURN HILLS, MI 48326 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | $0 | $4K | 0.25% |
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $17K | $0 | $17K | 1.66% |
| JONATHAN TRIONFI3 | 2601 CAMBRIDGE COURT SUITE 500 AUBURN HILLS, MI 48326 | BLUE CARE NETWORK OF MICHIGAN | $3K | $0 | $3K | 0.31% |
| JACQUELINE D WEBSTER3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $42 | $0 | $42 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $11K | 13.92% |
| PLANTE MORAN GROUP BENEFIT ADV3 | P O BOX 307 SOUTHFIELD, MI 48037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $758 | $0 | $758 | 0.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 15.52% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 4.57% |
| PLANTE MORAN GROUP BENEFIT ADV3 | P O BOX 307 SOUTHFIELD, MI 48037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $784 | $0 | $784 | 1.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD, STE 2300 TROY, MI 48084 | NATIONAL VISION ADMINISTRATORS (NGL) | $2K | $0 | $2K | 9.17% |
| PM GROUP BENEFIT ADVISORS II, LLC3 | 2601 CAMBRIDGE COURT, STE 500 AUBURN HILLS, MI 48326 | NATIONAL VISION ADMINISTRATORS (NGL) | $177 | $0 | $177 | 0.83% |
| ANTHONY P PETRILL4 | 1613 LOOKOUT CIR WAXHAW, NC 28173 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $869 | $0 | $869 | 8.76% |
| PM GROUP BENEFIT ADVISO4 | 2601 CAMBRIDGE CT STE 500 AUBURN HILLS, MI 48326 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $303 | $0 | $303 | 3.05% |
| MARSH & MCLENNAN AGENCY LLC4 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $274 | $0 | $274 | 2.76% |
| BROWN AND BROWN OF FLORIDA, INC.4 Filed as: ROBERT BROWN | 600 LEON DR BARRINGTON, IL 60010 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $103 | $0 | $103 | 1.04% |
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 | 268 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 322 | $2.6M |
| Vision | NATIONAL VISION ADMINISTRATORS (NGL) | 540 | $21K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 268 | $141K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 268 | $81K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 322 | $2.6M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 268 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 540 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.