| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBECCA A MCLAUGHLAN3 Filed as: REBECCA A. MCLAUGHLAN | 755 WEST BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $22K | $0 | $22K | 1.39% |
| MELISSA ARMATIS3 | 3099 BIDDLE AVENUE WYANDOTTE, MI 48192 | BLUE CARE NETWORK OF MICHIGAN | $11K | $0 | $11K | 0.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 755 WEST BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $0 | $755 | $755 | 0.05% |
| REBECCA A MCLAUGHLAN3 Filed as: REBECCA A. MCLAUGHLAN | 755 WEST BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $870 | $0 | $870 | 1.32% |
| MELISSA ARMATIS3 | 3099 BIDDLE AVENUE WYANDOTTE, MI 48192 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $436 | $0 | $436 | 0.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 755 WEST BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $13 | $13 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $465 | $2K | 9.32% |
| ASSUREDPARTNERS3 | 3099 BIDDLE AVENUE WYANDOTTE, MI 48192 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $516 | $0 | $516 | 2.44% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 298 | $1.6M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $21K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 298 | $1.6M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.