| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MINNESOTA | $88K | $0 | $88K | 2.27% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $5K | $19K | 8.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $4K | $20K | 14.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $4K | $15K | 18.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 12.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $3K | $9K | 16.29% |
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 | 427 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MINNESOTA | 590 | $3.9M |
| Dental(5 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 427 | $551K |
| Vision(5 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 427 | $551K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 427 | $134K |
| Short-term disability(5 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 427 | $551K |
| Long-term disability(5 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 427 | $551K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MINNESOTA | 590 | $3.9M |
| Other(4 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 427 | $494K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 590 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.