| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 3331 WEST BIG BEAVER, STE 200 TROY, MI 48084 | BLUE CARE NETWORK | $35K | — | $35K | 1.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF MICHIGAN | $16K | — | $16K | 9.05% |
| THOMAS MCGRAW3 | 3331 W BIG BEAVER, STE 200 TROY, MI 48084 | UNUM LIFE INSURANCE CO | $10K | — | $10K | 7.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN | 3331 W BIG BEAVER, STE 200 TROY, MI 48084 | UNUM LIFE INSURANCE CO | — | $3K | $3K | 2.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 3331 W BIG BEAVER RD. STE 200 TROY, MI 48084 | AMERITAS | $2K | — | $2K | 5.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 250 PEHLE AVE, STE 400 SADDLE BROOK, NJ 07663 | AMERITAS | — | $664 | $664 | 1.84% |
| MCGRAW, THOMAS P3 Filed as: MCGRAW, THOMAS | 3331 W BIG BEAVER RD., STE 200 TROY, MI 48084 | UNUM LIFE INSURANCE CO | $5K | — | $5K | 14.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN | 3331 W BIG BEAVER, STE 200 TROY, MI 48084 | UNUM LIFE INSURANCE CO | — | $656 | $656 | 1.98% |
| THOMAS MCGRAW3 | 3331 W BIG BEAVER, STE 200 TROY, MI 48084 | BCBS OF MICHIGAN | $3K | — | $3K | 16.20% |
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 | 252 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK | 560 | $2.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 616 | $178K |
| Vision | AMERITAS | 640 | $36K |
| Life insurance | UNUM LIFE INSURANCE CO | 305 | $129K |
| Short-term disability | UNUM LIFE INSURANCE CO | 305 | $129K |
| Long-term disability | UNUM LIFE INSURANCE CO | 305 | $129K |
| Prescription drug | BLUE CARE NETWORK | 560 | $2.0M |
| Other(2 contracts) | UNUM LIFE INSURANCE CO | 305 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 640 | — |
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.