| 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 | $71K | $0 | $71K | 2.75% |
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $32K | $0 | $32K | 2.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | DELTA DENTAL OF MICHIGAN | $7K | $0 | $7K | 2.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $4K | $13K | 5.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $10K | 14.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $4K | $0 | $4K | 10.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 6.07% |
| GRIFFIN, STEVEN, RAY3 | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $109 | $0 | $109 | 0.41% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY INC | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $47 | $0 | $47 | 0.18% |
| GRIFFIN, STEVEN, RAY3 | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $460 | $0 | $460 | 3.51% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY INC | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $198 | $0 | $198 | 1.51% |
| DENNIS W MCVITTIE JR4 | 43749 DORISA CT NORTHVILLE, MI 48167 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $424 | $0 | $424 | 9.20% |
| MARSH & MCLENNAN AGENCY LLC4 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $94 | $0 | $94 | 2.04% |
| GALLAGHER BENEFIT SERVICES, INC.4 Filed as: GALLAGHER BENEFIT SERVICES INC | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $69 | $0 | $69 | 1.50% |
| TRACY KATZ LLC4 Filed as: TRACY KATZ | 1662 E MELTON RD BIRMINGHAM, MI 48009 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $26 | $0 | $26 | 0.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 755 W. BIG BEAVER RD. STE. 2300 TROY, MI 48084 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $63 | $0 | $63 | 12.33% |
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 | 372 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 530 | $3.8M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 810 | $267K |
| Vision(2 contracts) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 783 | $39K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 367 | $303K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 367 | $224K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 530 | $3.8M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 367 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 810 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.