| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF TEXAS | $26K | — | $26K | 4.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | $9K | $39K | 9.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 2.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $626 | $9K | 15.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 11.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | DELTA DENTAL OF MICHIGAN | $1K | — | $1K | 2.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $301 | $6K | 20.27% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 0.21% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $56 | $56 | 0.19% |
| ENROLLMENT RESOURCES GROUP3 Filed as: THE ENROLLMENT COMPANY | PO BOX 120789 NASHVILLE, TN 37212 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $423 | $2K | 12.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | ZURICH AMERICAN INSURANCE COMPANY | $104 | — | $104 | 14.96% |
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 | 676 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 683 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 116 | $545K |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 711 | $258K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 865 | $56K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 673 | $452K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 673 | $423K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 116 | $545K |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 673 | $501K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 865 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.