| 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 CROSS BLUE SHIELD OF MICHIGAN | $21K | $3K | $25K | 0.99% |
| 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 | $35K | — | $35K | 1.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | A MARSH AND MCLENNAN AGENCY LLC 3331 W BIG BEAVER RD, SUITE 200 TROY, MI 48084 | ALLEGIAN HEALTH PLANS | $26K | — | $26K | 4.95% |
| 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 | $49K | $8K | $56K | 16.78% |
| 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 | $7K | — | $7K | 2.76% |
| 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 | 2.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | A MARSH AND MCLENNAN AGENCY LLC 3331 W BIG BEAVER RD, SUITE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $2K | $25K | 37.63% |
| 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 | $6K | — | $6K | 9.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | A MARSH AND MCLENNAN AGENCY LLC 3331 W BIG BEAVER RD, SUITE 200 TROY, MI 48084 | GERBER LIFE INSURANCE COMPANY | $143 | — | $143 | 15.02% |
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 | 812 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 816 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 576 | $5.4M |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 747 | $332K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,005 | $65K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 679 | $336K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 679 | $336K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 576 | $5.4M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 679 | $402K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,005 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.