| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 300 N CHERAPA PL SUITE 601 SIOUX FALLS, SD 57103 | BLUE CROSS BLUE SHIELD OF MINNESOTA | $70K | — | $70K | 2.00% |
| KIMBERLY ANN WIXSON3 Filed as: KIMBERLY CLARK | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | PHP INSURANCE COMPANY | $31K | — | $31K | 2.04% |
| BESS ANN MCKILLOP3 | 1400 E. MICHIGAN AVE. LANSING, MI 48912 | PHP INSURANCE COMPANY | $5K | — | $5K | 0.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | GUARDIAN | $27K | $14K | $41K | 10.33% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | GUARDIAN | $11K | $8K | $19K | 10.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | GUARDIAN | $9K | $5K | $14K | 13.93% |
| LUCIDO MORRIS ASSOCIATES, LLC3 | 24255 W. 13 MILE ROAD, SUITE 250 BINGHAM FARMS, MI 48025 | GUARDIAN | $111 | — | $111 | 0.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | GUARDIAN | $7K | $5K | $13K | 14.31% |
| LUCIDO MORRIS ASSOCIATES, LLC3 | 24255 W. 13 MILE ROAD, SUITE 250 BINGHAM FARMS, MI 48025 | GUARDIAN | $100 | — | $100 | 0.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | GUARDIAN | $12K | $5K | $17K | 20.88% |
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 | 981 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 985 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MINNESOTA | 747 | $5.0M |
| Dental(4 contracts) | GUARDIAN | 503 | $762K |
| Vision(5 contracts) | GUARDIAN | 503 | $845K |
| Life insurance | GUARDIAN | 503 | $397K |
| Short-term disability(5 contracts) | GUARDIAN | 503 | $845K |
| Long-term disability(5 contracts) | GUARDIAN | 503 | $845K |
| Other | GUARDIAN | 503 | $397K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 747 | — |
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.