| 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 | $34K | — | $34K | 2.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | — | $19K | 14.89% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE PARK 80 WEST PLAZA TWO, SUITE 400 SADDLE BACK, NJ 07663 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 2.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $40 | $3K | 3.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE., SUITE 400 PARK 80 PLAZA 2 SADLE BROOK, NJ 076635832 | METROPOLITAN LIFE INSURANCE COMPANY | — | $800 | $800 | 0.95% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., SUITE 200 TROY, MI 48084 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 5.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $105 | — | $105 | 1.98% |
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 | 134 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 312 | $1.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 291 | $103K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 298 | $22K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 134 | $127K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 134 | $127K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 134 | $127K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 312 | $1.4M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 134 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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.