| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 480848084 | BLUE CARE NETWORK OF MICHIGAN | $28K | — | $28K | 2.48% |
| JAMES P LILL3 | 2651 WARRENVILLE ROAD SUITE 20 DOWNERS GROVE, IL 605150515 | BLUE CARE NETWORK OF MICHIGAN | $6K | — | $6K | 0.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN DBA MCGRAW | 755 W BIG BEAVER RD STE 2300 TROY, MI 480848084 | BLUE CARE NETWORK OF MICHIGAN | $690 | — | $690 | 0.06% |
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 480848084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | — | $3K | 2.53% |
| JAMES P LILL3 | 2651 WARRENVILLE ROAD SUITE 20 DOWNERS GROVE, MI 605150515 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $650 | — | $650 | 0.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN DBA MCGRAW | 755 W BIG BEAVER RD STE 2300 TROY, MI 480848084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $61 | — | $61 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | THE HARTFORD | $9K | — | $9K | 10.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT ST STE 800 WORCESTER, MA 01608 | THE HARTFORD | $2K | — | $2K | 2.37% |
| AXION RMS LTD | 2651 WARRENVILLE RD, STE 300 DOWNERS GROVE, IL 60515 | THE HARTFORD | $787 | — | $787 | 0.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE, STE 401 BOSTON, MA 02199 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 6.08% |
| AXION RMS LTD3 Filed as: AXION RMS, LTD | 2651 WARRENVILLE RD, SUITE 200 DOWNERS GROVE, IL 60515 | DELTA DENTAL OF MICHIGAN | $952 | — | $952 | 1.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | HUMANA | $2K | — | $2K | 2.34% |
| 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 | — | $4K | 40.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $386 | — | $386 | 3.50% |
| AXION RMS LTD3 Filed as: AXION RMS, LTD | 2443 WARRENVILLE RD STE 610 LISLE, IL 60532 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21 | — | $21 | 0.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD, STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 11.14% |
| AXION RMS LTD3 Filed as: AXION RMS, LTD | 2443 WARRENVILLE RD STE 610 LISLE, IL 60532 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $360 | — | $360 | 3.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD, STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $139 | — | $139 | 1.49% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 224 | $1.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 220 | $84K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 224 | $126K |
| Life insurance(2 contracts, 2 carriers) | THE HARTFORD | 176 | $96K |
| Short-term disability | THE HARTFORD | 176 | $87K |
| Long-term disability | THE HARTFORD | 176 | $87K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 224 | $1.2M |
| Other(2 contracts, 2 carriers) | THE HARTFORD | 176 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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."
No prospect flags tripped on this filing.