| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBECCA A MCLAUGHLAN3 | 755 W. BIG BEAVER RD. STE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $83K | $0 | $83K | 3.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | DELTA DENTAL | $14K | $289 | $14K | 10.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER ROAD STE 200 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $3K | $7K | 13.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER ROAD STE 200 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $5K | 15.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER ROAD TROY, MI 480842814 | EYEMED | $2K | $0 | $2K | 8.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 755 W. BIG BEAVER RD. STE 2300 TROY, MI 480842814 | EYEMED | $561 | $0 | $561 | 2.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER ROAD STE 200 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 17.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER ROAD STE 200 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $914 | $1K | $2K | 16.21% |
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 | 253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 507 | $2.4M |
| Dental | DELTA DENTAL | 308 | $137K |
| Vision | EYEMED | 375 | $21K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 253 | $60K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $16K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 253 | $30K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 507 | $2.4M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 253 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 507 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.