| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | $7K | $26K | 12.52% |
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $97K | $0 | $97K | 179.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $20K | $20K | 36.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $653 | $9K | 23.92% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $383 | $0 | $383 | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 11.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM INSURANCE COMPANY | $6K | $629 | $6K | 20.00% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM INSURANCE COMPANY | $314 | $0 | $314 | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 33213 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $774 | $0 | $774 | 7.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $405 | $405 | 4.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 33213 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | METROPOLITAN GENERAL INSURANCE COMPANY | $598 | $45 | $643 | 10.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $130 | $130 | 2.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 1 POLARIS WAY SUITE 300 ALISO VIEJO, CA 92656 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $91 | $91 | 1.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | — | HARTFORD LIFE AND ACCIDENT | $142 | $0 | $142 | 5.35% |
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 | 564 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 567 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARTFORD LIFE AND ACCIDENT | 6 | $3K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 934 | $54K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 564 | $210K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 293 | $37K |
| Prescription drug | HARTFORD LIFE AND ACCIDENT | 6 | $3K |
| Other(5 contracts, 5 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 564 | $295K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 934 | — |
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.