| 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 | $16K | $0 | $16K | 1.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGCY LLC DB | 755 W. BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $0 | $2K | $2K | 0.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $4K | $13K | 6.98% |
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $1K | $0 | $1K | 1.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGCY LLC DB | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $118 | $0 | $118 | 0.08% |
| BECKY SUTHERLAND3 Filed as: BECKY MCLAUGHLAN | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | DELTA DENTAL | $12K | $0 | $12K | 9.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $521 | $4K | 18.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY - TROY, MI | 3331 W BIG BEAVER ROAD TROY, MI 48084 | EYEMED | $2K | $0 | $2K | 14.11% |
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 | 173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 138 | $1.5M |
| Dental | DELTA DENTAL | 388 | $121K |
| Vision | EYEMED | 363 | $14K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 173 | $204K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 173 | $181K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 173 | $181K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 138 | $1.5M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 173 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.