| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $17K | $7K | $24K | 12.10% |
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $93K | $0 | $93K | 195.48% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC (TROY) | 2401 W BIG BEAVER RD STE 400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $50K | $50K | 105.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $4K | $4K | 9.28% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $3K | $1K | $4K | 11.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM INSURANCE COMPANY | $5K | $1K | $6K | 23.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $10K | 43.48% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $111 | $0 | $111 | 0.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $572 | $0 | $572 | 5.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 E BIG BEAVER RD SUITE 2300 TROY, MI 48084 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $236 | $0 | $236 | 2.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $10 | $10 | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 4386 MISSOULA, MT 59806 | MONUMENTAL LIFE INSURANCE COMPANY | $185 | $0 | $185 | 7.15% |
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 | 485 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 503 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MONUMENTAL LIFE INSURANCE COMPANY | 5 | $3K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 836 | $48K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 485 | $198K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 255 | $37K |
| Prescription drug | MONUMENTAL LIFE INSURANCE COMPANY | 5 | $3K |
| Other(4 contracts, 4 carriers) | UNUM INSURANCE COMPANY | 482 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 836 | — |
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."
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.