| 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 | $34K | $0 | $34K | 2.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGCY LLC | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $0 | $1K | $1K | 0.08% |
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $24K | $0 | $24K | 2.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGCY LLC | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $792 | $792 | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | DELTA DENTAL OF MICHIGAN | $8K | $0 | $8K | 4.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF MICHIGAN | $616 | $0 | $616 | 0.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 10.42% |
| ADP INC3 | ATTN CLIENT AR #277936 P O BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 2.63% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 10.93% |
| ADP INC3 | ATTN CLIENT AR #277936 P O BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | $0 | $1K | $1K | 2.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 13.98% |
| ADP INC3 | ATTN CLIENT AR #277936 P O BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | $0 | $1K | $1K | 2.67% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD, STE 2300 TROY, MI 48084 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 25.73% |
| ADP INC3 | ATTN CLIENT AR #277936 P O BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | $0 | $349 | $349 | 2.58% |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 237 | $2.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 398 | $164K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 347 | $23K |
| Life insurance | STANDARD INSURANCE COMPANY | 171 | $72K |
| Short-term disability | STANDARD INSURANCE COMPANY | 171 | $54K |
| Long-term disability | STANDARD INSURANCE COMPANY | 171 | $52K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 237 | $2.6M |
| Other | STANDARD INSURANCE COMPANY | 171 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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.