| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCLAUGHLAN, REBECCA3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PRIORITY HEALTH | $42K | $0 | $42K | 2.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | DELTA DENTAL OF MICHIGAN | $4K | $0 | $4K | 4.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY | MARSH MCLENNAN AGENCY LLC TROY, MI 48084 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 17.51% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN ASSOCIATES, LLC | JAMES R. NELLIGAN ASSOCIATES ALBANY, NY 12204 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 5.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $321 | $7K | 20.95% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 N MILDRED AVE #3 CHICAGO, IL 60618 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $508 | $0 | $508 | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD, STE 2300 TROY, MI 48084 | NATIONAL VISION ADMINISTRATORS (NGL) | $1K | $0 | $1K | 10.00% |
| INTERNATIONAL CHAMBERS GROUP INC4 Filed as: INTERNATIONAL CHAMBERS GROUP | 4211 PEPPERMILL LN BLUE ASH, OH 45242 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $804 | $0 | $804 | 10.09% |
| MARSH & MCLENNAN AGENCY LLC4 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $547 | $0 | $547 | 6.86% |
| THE JAMES B OSWALD COMPANY4 Filed as: THE JAMES B OSWALD COMPA | STE 1500 1100 SUPERIOR AVE E CLEVELAND, OH 44114 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $24 | $0 | $24 | 0.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $192 | $0 | $192 | 18.06% |
| MARSH & MCLENNAN AGENCY LLC4 | 755 W BIG BEAVER RD TROY, MI 48084 | HARTFORD LIFE AND ACCIDENT | $8K | $0 | $8K | — |
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 | 201 | 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) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 192 | $1.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 243 | $89K |
| Vision | NATIONAL VISION ADMINISTRATORS (NGL) | 243 | $12K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 201 | $74K |
| Short-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 201 | $74K |
| Long-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 201 | $74K |
| Other(5 contracts, 5 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 201 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.