| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | BLUE CARE NETWORK | $29K | — | $29K | 1.80% |
| THOMAS MCGRAW3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 480848084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $11K | — | $11K | 1.49% |
| REBECCA A MCLAUGHLAN3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 480848084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 0.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 480848084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $197 | $197 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF MICHIGAN | $8K | — | $8K | 4.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE., SUITE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $10K | $4K | $13K | 9.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | GUARDIAN LIFE INSURANCE COMPANY | $3K | $741 | $4K | 19.62% |
| LUCIDO MORRIS ASSOCIATES, LLC3 | 24255 W. 13 MILE ROAD SUITE 250 BINGHAM FARMS, MI 48025 | GUARDIAN LIFE INSURANCE COMPANY | $44 | — | $44 | 0.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CARE NETWORK | 302 | $2.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 433 | $159K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 315 | $17K |
| Life insurance | STANDARD INSURANCE COMPANY | 178 | $147K |
| Short-term disability | STANDARD INSURANCE COMPANY | 178 | $147K |
| Long-term disability | STANDARD INSURANCE COMPANY | 178 | $147K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK | 302 | $2.4M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 178 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 433 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.