| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBECCA A MCLAUGHLAN3 Filed as: REBECCA MCLAUGHLAN | 755 WEST BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD MICHIGAN | $81K | $0 | $81K | 2.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 WEST BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD MICHIGAN | $0 | $4K | $4K | 0.12% |
| REBECCA A MCLAUGHLAN3 Filed as: REBECCA MCLAUGHLAN | 755 WEST BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $35K | $0 | $35K | 1.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $51K | $23K | $74K | 9.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 WEST BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $7K | $19K | 2.54% |
| UNKNOWN3 | UNKNOWN WARREN, MI 48091 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | DELTA DENTAL OF MICHIGAN | $6K | $0 | $6K | 1.80% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF MICHIGAN | $552 | $0 | $552 | 0.18% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 WEST BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $3K | $0 | $3K | 4.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | DELTA DENTAL OF MICHIGAN | $488 | $0 | $488 | 1.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF MICHIGAN | $55 | $0 | $55 | 0.20% |
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 | 441 | 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) | 441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD MICHIGAN | 579 | $6.0M |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 685 | $341K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 696 | $65K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 460 | $758K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 460 | $758K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 460 | $758K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD MICHIGAN | 579 | $6.0M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 460 | $770K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 696 | — |
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.
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.