| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS MCGRAW3 | 3331 WEST BIG BEAVER S200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $10K | $0 | $10K | 1.59% |
| REBECCA A MCLAUGHLAN3 | 3331 WEST BIG BEAVER S200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | $0 | $5K | 0.85% |
| ROBERT A. HEINTZ3 Filed as: ROBERT A HEINTZ | 5570 WILSON AVENUE SOUTHWEST SUITE D GRANDVILLE, MI 49418 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | $0 | $3K | 0.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 3331 WEST BIG BEAVER ROAD S200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $1K | $1K | 0.18% |
| UNKNOWN3 | UNKNOWN BINGHAM FARMS, MI 48025 | BLUE CARE NETWORK OF MICHIGAN | $10K | $0 | $10K | 2.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $10K | $24K | 8.17% |
| EDGE INSURANCE GROUP LLC3 Filed as: EDGE INSURANCE GROUP, LLC | 126 NORTH BRIDGE STREET DEWITT, MI 48820 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 1.90% |
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 | 233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 235 | 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 | 109 | $956K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 233 | $291K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 233 | $291K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 233 | $291K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 233 | $291K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 233 | $291K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 109 | $956K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 233 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.