| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN DBA MCGRAW | 3331 W BIG BEAVER STE 200 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $51K | — | $51K | 5.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN DBA MCGRAW | 3331 W BIG BEAVER S -200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | — | $8K | 4.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 6.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY | 3331 W BIG BEAVER RD TROY, MI 48084 | HUMANA | $300 | — | $300 | 0.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | STANDARD INSURANCE COMPANY | $848 | — | $848 | 3.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY | 3331 W BIG BEAVER RD TROY, MI 48084 | HUMANA | $1K | — | $1K | 4.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | STANDARD INSURANCE COMPANY | $668 | — | $668 | 3.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | STANDARD INSURANCE COMPANY | $280 | — | $280 | 3.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | SUN LIFE FINANCIAL | $462 | — | $462 | 6.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | SUN LIFE FINANCIAL | $360 | — | $360 | 10.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | SUN LIFE FINANCIAL | $333 | — | $333 | 18.70% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 69 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 221 | $1.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 207 | $98K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 188 | $25K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 105 | $35K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 57 | $11K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 194 | $976K |
| Other | BLUE CARE NETWORK OF MICHIGAN | 194 | $976K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.