| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 12.68% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 12.99% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $994 | $6K | 18.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $475 | $3K | 18.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER ROAD STE 200 TROY, MI 48084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $796 | $0 | $796 | 9.23% |
| DENNIS FENNELL3 Filed as: DENNIS PATTON | 21211 LASER LANE SOUTH LYON, MI 48178 | CONTINENTAL AMERICAN INSURANCE COMPANY | $225 | $0 | $225 | 2.61% |
| JAIME M COHEN3 | 26400 LAHSER RD STE 109 SOUTHFIELD, MI 48033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | $0 | $31 | 0.36% |
| HEIDI E GLAUB3 | 5458 PARKSIDE DRIVE BRIGHTON, MI 48114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | $0 | $26 | 0.30% |
| GABRIEL TORREZ3 | 407 LAFAYETTE AVE BAY CITY, MI 48708 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | $0 | $8 | 0.09% |
| KEN MAJOR3 | 30207 PIPERS LANE FARMINGTON HILLS, MI 48334 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.05% |
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 | 384 | 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) | 386 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 384 | $73K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 203 | $60K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $33K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 384 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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.