| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBECCA A MCLAUGHLAN3 | 3331 W BIG BEAVER S-200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $56K | — | $56K | 1.36% |
| THOMAS MCGRAW3 | 3331 W BIG BEAVER S 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $21K | — | $21K | 0.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN DBA MCGRAW | 3331 W BIG BEAVER S 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | — | $4K | 0.11% |
| REBECCA A MCLAUGHLAN3 Filed as: REBECCA MCLAUGHLAN | 3331 W BIG BEAVER S 200 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $73K | — | $73K | 1.79% |
| THOMAS MCGRAW3 | 3331 W BIG BEAVER S 200 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $24K | — | $24K | 0.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN DBA MCGRAW | 3331 W BIG BEAVER RD S200 TROY, MA 48084 | BLUE CARE NETWORK OF MICHIGAN | $7K | — | $7K | 0.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W BIG BEAVER SUITE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $9K | $23K | 5.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $3K | $29K | 16.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 3331 W BIG BEAVER SUITE 200 TROY, MI 48084 | VISION SERVICE PLAN | $3K | — | $3K | 2.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER RD, STE 200 TROY, MI 48084 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 WEST BIG BEAVER RD SUITE 200 TROY, MI 48084 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $439 | — | $439 | 15.00% |
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 | 905 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 905 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,049 | $8.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 3 | $32K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 863 | $145K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,083 | $607K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,083 | $438K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,083 | $438K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,049 | $8.1M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,083 | $441K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,083 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.