| 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 OF MICHIGAN | $55K | — | $55K | 4.68% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 9.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR NORTH SUITE 300 MINNEAPOLIS, MN 55428 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $4K | $4K | 3.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $38 | $3K | 4.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE., SUITE 400 SADLE BROOK, NJ 076635832 | METROPOLITAN LIFE INSURANCE COMPANY | — | $391 | $391 | 0.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., SUITE 200 TROY, MI 48084 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $909 | — | $909 | 4.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $586 | — | $586 | 7.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | UNITED CONCORDIA DENTAL PLANS OF THE MIDWEST, INC. | $91 | — | $91 | 7.00% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 324 | $1.2M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 177 | $87K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 312 | $19K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 126 | $107K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 126 | $107K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 126 | $107K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 324 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.