| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A LEY | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $39K | $0 | $39K | 1.11% |
| REBECCA A MCLAUGHLAN3 | 755 WEST BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $32K | $0 | $32K | 0.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 755 WEST BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $3K | $3K | 0.09% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A LEY | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $33K | $0 | $33K | 1.10% |
| REBECCA A MCLAUGHLAN3 | 755 WEST BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $29K | — | $29K | 0.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 755 WEST BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $0 | $2K | $2K | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $29K | $19K | $48K | 5.73% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 24 FRANK LLOYD WRIGHT DRIVE PO BOX 541, SUITE J4100 ANN ARBOR, MI 48106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $36K | $2K | $38K | 4.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 412703 BOSTON, MA 02241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $6K | $15K | 1.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 755 WEST BOG BEAVER ROAD SUITE 2300 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $1K | $4K | 0.52% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | DELTA DENTAL OF MICHIGAN | $4K | $0 | $4K | 1.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | DELTA DENTAL OF MICHIGAN | $3K | $0 | $3K | 0.99% |
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 | 481 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 481 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 590 | $6.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 682 | $337K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 590 | $3.5M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 485 | $835K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 485 | $835K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 485 | $835K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 590 | $6.5M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 485 | $848K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 682 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.