| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | A MARSH AND MCLENNAN AGENCY LLC 3331 W BIG BEAVER RD, SUITE 200 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $9K | — | $9K | 1.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | A MARSH AND MCLENNAN AGENCY LLC 3331 W BIG BEAVER RD, SUITE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | $40 | $9K | 2.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | A MARSH AND MCLENNAN AGENCY LLC 3331 W BIG BEAVER RD, SUITE 200 TROY, MI 48084 | ALLEGIAN HEALTH PLANS | $5K | — | $5K | 4.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | A MARSH AND MCLENNAN AGENCY LLC 3331 W BIG BEAVER RD, SUITE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $4K | $14K | 17.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | A MARSH AND MCLENNAN AGENCY LLC 3331 W BIG BEAVER RD, SUITE 200 TROY, MI 48084 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 2.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | A MARSH AND MCLENNAN AGENCY LLC 3331 W BIG BEAVER RD, SUITE 200 TROY, MI 48084 | DELTA DENTAL OF MICHIGAN | $518 | — | $518 | 2.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | A MARSH AND MCLENNAN AGENCY LLC 3331 W BIG BEAVER RD, SUITE 200 TROY, MI 48084 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | A MARSH AND MCLENNAN AGENCY LLC 3331 W BIG BEAVER RD, SUITE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $602 | $7K | 70.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | A MARSH AND MCLENNAN AGENCY LLC 3331 W BIG BEAVER RD, SUITE 200 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $239 | $3K | 48.61% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.47% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD, SUITE 1200 CLAYTON, MO 63105 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $29 | $29 | 0.44% |
| ENROLLMENT RESOURCES GROUP3 Filed as: THE ENROLLMENT COMPANY | PO BOX 120789 NASHVILLE, TN 37212 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | A MARSH AND MCLENNAN AGENCY LLC 3331 W BIG BEAVER RD, SUITE 200 TROY, MI 48084 | GERBER LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 15.14% |
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 | 180 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 131 | $988K |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 177 | $73K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 216 | $12K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 181 | $87K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 181 | $80K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 131 | $988K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 181 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.