| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $44K | $0 | $44K | 9.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | DELTA DENTAL OF MICHIGAN | $461 | $0 | $461 | 0.11% |
| VANESSA L TORRES3 | 5316 ARLINGTON CIRCLE HANOVER PARK, IL 60133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | $0 | $14K | 5.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 4.55% |
| EL TORRO INC3 | 5425 MILLS RIDGE SW WYOMING, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 1.96% |
| WILLIAM JOHNSON & ASSOC LLC3 | 1755 INDIAN LAKES CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.98% |
| NICOLE DOLPHIN3 | 713 DORROLL ST NE GRAND RAPIDS, MI 49505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.75% |
| EL TORRO INC3 Filed as: EL TORRO INC. | 14031 JOHN HUMPHREY DR ORLAND PARK, IL 60462 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.46% |
| CHLOE STEFFES3 | 1027 ABERDEEN ST NE GRAND RAPIDS, MI 49505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $609 | $0 | $609 | 0.24% |
| MARY EVELYN LEGGETT3 Filed as: MARY E LEGGETT | 522 MAPLE ST ALLEGAN, MI 49010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $606 | $0 | $606 | 0.24% |
| JOEDDA J GARDNER FIELDS3 Filed as: JOEDDA JUNE GARDNER-FIELDS | 32916 KELLY BLVD BROWNSTOWN, MI 48173 | CONTINENTAL AMERICAN INSURANCE COMPANY | $511 | $0 | $511 | 0.20% |
| JOY A RYBICKI3 | 71-129TH AVE WAYLAND, MI 49348 | CONTINENTAL AMERICAN INSURANCE COMPANY | $495 | $0 | $495 | 0.20% |
| MONICA M MILLER3 | 2922 FULLER AVE NE GRAND RAPIDS, MI 49505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $412 | $0 | $412 | 0.17% |
| ROBERT L PARSONS3 Filed as: ROBERT LEONARD PARSONS | 4130 WEST D AVE KALAMAZOO, MI 49009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $398 | $0 | $398 | 0.16% |
| RAY W HINKLE3 Filed as: RAY WAYNE HINKLE | 6062 ARCHER ST NE ROCKFORD, MI 49341 | CONTINENTAL AMERICAN INSURANCE COMPANY | $274 | $0 | $274 | 0.11% |
| ALIA COMPTON3 | 244 BEGOLE ST SW GRAND RAPIDS, MI 49534 | CONTINENTAL AMERICAN INSURANCE COMPANY | $144 | $0 | $144 | 0.06% |
| MORGAN LOEWEN3 | 2940 ST ANDREWS DR FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $142 | $0 | $142 | 0.06% |
| SARAH E MEANY3 Filed as: SARAH ELIZABETH MEANY | 3746 CHAMBERLAIN AVE SE GRAND RAPIDS, MI 49508 | CONTINENTAL AMERICAN INSURANCE COMPANY | $119 | $0 | $119 | 0.05% |
| RENEE M TRUDEAU3 Filed as: RENEE MICHELE TRUDEAU | 9331 US HIGHWAY 12 BROOKLYN, MI 49230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $93 | $0 | $93 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 222 BROADWAY NEW YORK, NY 10038 | RELIASTAR LIFE INSURANCE COMPANY | $17K | $0 | $17K | 10.00% |
| BENE RE LLC3 | 5217 MONROE ST STE B TOLEDO, OH 43623 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $13K | $13K | 8.00% |
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $43K | $0 | $43K | 97.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGCY LLC | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $7K | $7K | 16.73% |
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 | 902 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 913 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 1,262 | $420K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,108 | $44K |
| Life insurance | ZURICH AMERICAN LIFE INSURANCE COMPANY | 902 | $451K |
| Long-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 902 | $451K |
| Other(4 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 804 | $436K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,262 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.