| 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 TEXAS | $27K | — | $27K | 5.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | A MARSH AND MCLENNAN AGENCY LLC 3331 W BIG BEAVER RD, SUITE 200 TROY, MI 48084 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $29K | $10K | $40K | 8.79% |
| 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 | $8K | $526 | $8K | 2.94% |
| 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 | $20K | $1K | $21K | 22.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | A MARSH AND MCLENNAN AGENCY LLC 3331 W BIG BEAVER RD, SUITE 200 TROY, MI 48084 | DELTA DENTAL OF MICHIGAN | $2K | $164 | $3K | 2.91% |
| 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 | $7K | — | $7K | 9.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | A MARSH AND MCLENNAN AGENCY LLC 3331 W BIG BEAVER RD, SUITE 200 TROY, MI 48084 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $771 | $3K | 13.86% |
| 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 | $114 | — | $114 | 14.94% |
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 | 981 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 986 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 130 | $532K |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 900 | $365K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,140 | $73K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 976 | $451K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 976 | $451K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 130 | $532K |
| Other(4 contracts, 4 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 976 | $566K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,140 | — |
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.