| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $50K | $2K | $52K | 2.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $72K | $79 | $72K | 35.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $123 | $5K | 10.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $614 | — | $614 | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $412 | — | $412 | 6.08% |
| DENNIS FENNELL3 Filed as: DENNIS PATTON | 21211 LASER LANE SOUTH LYON, MI 48178 | CONTINENTAL AMERICAN INSURANCE COMPANY | $217 | — | $217 | 3.20% |
| HEIDI E GLAUB3 | 5458 PARKSIDE DRIVE BRIGHTON, MI 48114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.46% |
| KEN MAJOR3 | 30207 PIPERS LANE FARMINGTON HILLS, MI 48334 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.07% |
| RICHARD P SOMMERS3 | 1390 WEST BLVD BERKLEY, MI 48072 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.06% |
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 | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | 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)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 385 | $2.0M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 385 | $200K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 185 | $15K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $45K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 385 | $2.0M |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 21 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.