| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBECCA A MCLAUGHLAN3 Filed as: REBECCA MCLAUGHLAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PRIORITY HEALTH INSURANCE COMPANY | $19K | — | $19K | 2.85% |
| AXION RMS LTD3 | 2443 WARRENVILLE RD SUITE 610 LISLE, IL 60532 | PRIORITY HEALTH INSURANCE COMPANY | $14K | — | $14K | 2.15% |
| REBECCA A MCLAUGHLAN3 Filed as: REBECCA MCLAUGHLAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PRIORITY HEALTH | $16K | — | $16K | 2.89% |
| AXION RMS LTD3 | 2443 WARRENVILLE RD SUITE 610 LISLE, IL 60532 | PRIORITY HEALTH | $12K | — | $12K | 2.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD. SUITE 2300 TROY, MI 48084 | SYMETRA LIFE INSURANCE COMPANY | $11K | $4K | $15K | 13.25% |
| AXION RMS LTD3 | 2443 WARRENVILLE RD SUITE 610 LISLE, IL 60532 | SYMETRA LIFE INSURANCE COMPANY | $8K | — | $8K | 6.78% |
| AXION RMS LTD3 | 2443 WARRENVILLE RD SUITE 610 LISLE, IL 60532 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 4.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 2.93% |
| AXION RMS LTD3 | 2443 WARRENVILLE RD SUITE 610 LISLE, IL 60532 | METROPOLITAN LIFE INSURANCE ON BEHALF OF DAVIS VISION | $2K | — | $2K | 9.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD SUITE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $17 | $1K | 10.71% |
| AXION RMS LTD3 | 2443 WARRENVILLE RD SUITE 610 LISLE, IL 60532 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $531 | — | $531 | 4.44% |
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 | 106 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 101 | $1.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 200 | $100K |
| Vision | METROPOLITAN LIFE INSURANCE ON BEHALF OF DAVIS VISION | 159 | $22K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 106 | $115K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 106 | $115K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 106 | $115K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 101 | $1.2M |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 106 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.