| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W BIG BEAVER SUITE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $12K | $27K | 4.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43K | $6K | $48K | 15.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 3331 W BIG BEAVER SUITE 200 TROY, MI 48084 | VISION SERVICE PLAN | $3K | — | $3K | 2.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER RD, STE 200 TROY, MI 48084 | AETNA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | AETNA INTERNATIONAL | — | — | $0 | 0.00% |
| TONYA DEAN PETRILL4 | 1613 LOOKOUT CIRCLE WAXHAW, NC 28173 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $3K | — | $3K | 10.42% |
| MARSH & MCLENNAN AGENCY LLC4 | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $2K | — | $2K | 7.17% |
| ADAM RICCINTO4 Filed as: ADAM R ICCINTO | 722 E CROSS ST YPSILANTI, MI 48198 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $486 | — | $486 | 1.80% |
| PARRISH & ASSOCIATES4 | 5959 MEADOW BROOK RD BIRMINGHAM, AL 35242 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $172 | — | $172 | 0.64% |
| ANTHONY P PETRILL4 | 1613 LOOKOUT CIRCLE WAXHAW, NC 28173 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $156 | — | $156 | 0.58% |
| JACQUELINE TURKEY HARKEMA REV TRUST4 Filed as: JACQUELINE TUCKEY HARKEMA REVO TRU | 511 TANASI CIRCLE LOUDON, TN 37774 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $111 | — | $111 | 0.41% |
| HYLANT GROUP INC4 Filed as: HYLAND GROUP INC | PO BOX 541 ANN ARBOR, MI 48106 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $46 | — | $46 | 0.17% |
| 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 | $370 | — | $370 | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | STE 200 3331 W BIG BEAVER RD TROY, MI 48084 | FIRST UNUM LIFE INSURANCE COMPANY | $93 | $12 | $105 | 16.88% |
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 | 1,036 | 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) | 1,036 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 6 | $36K |
| Dental | AETNA LIFE INSURANCE COMPANY | 6 | $36K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 835 | $137K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,044 | $954K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,044 | $650K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,044 | $650K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,044 | $707K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,044 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.