| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $58K | — | $58K | 3.94% |
| ANTHONY E MOURAD3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49248 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $52 | $52 | 0.00% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY INC. | PO BOX 1801 ADRIAN, MI 49221 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $13 | $13 | 0.00% |
| ANTHONY E MOURAD3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49248 | BLUE CARE NETWORK OF MICHIGAN | $27K | $1K | $28K | 2.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $2K | — | $2K | 0.15% |
| ANTHONY MOURAD3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | PHP INSURANCE COMPANY | $30K | — | $30K | 2.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | PHP INSURANCE COMPANY | $6K | — | $6K | 0.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $35K | — | $35K | 3.92% |
| ANTHONY E MOURAD3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49248 | BLUE CARE NETWORK OF MICHIGAN | — | $760 | $760 | 0.09% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY INC | PO BOX 1801 ADRIAN, MI 49221 | BLUE CARE NETWORK OF MICHIGAN | — | $187 | $187 | 0.02% |
| AE MOURAD AGENCY, INC.3 Filed as: AE MOURAD AGENCY | 28277 DEQUINDRE MADISON HEIGHTS, MI 48071 | TOTAL HEALTH CARE USA, INC. | $29K | — | $29K | 3.96% |
| ANTHONY MOURAD3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | PHYSICIANS HEALTH PLAN | $18K | — | $18K | 2.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | PHYSICIANS HEALTH PLAN | $4K | — | $4K | 0.61% |
| AE MOURAD AGENCY, INC.3 Filed as: AE MOURAD AGENCY | 28277 DEQUINDRE MADISON HEIGHTS, MI 48071 | TOTAL HEALTH CARE USA, INC. | $19K | — | $19K | 3.86% |
| ANTHONY E MOURAD3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49248 | DELTA DENTAL OF MICHIGAN | $26K | $779 | $27K | 7.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | DELTA DENTAL OF MICHIGAN | $9K | — | $9K | 2.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | DELTA DENTAL OF MICHIGAN | $25K | — | $25K | 11.47% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | 333 INDUSTRIAL DRIVE PO BOX 1801 ADRIAN, MI 49221 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | $3K | $20K | 13.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 3.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | — | $17K | 15.00% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | 333 INDUSTRIAL DRIVE PO BOX 1801 ADRIAN, MI 49221 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $2K | $15K | 13.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 3.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | — | $13K | 15.00% |
| ANTHONY E MOURAD3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49248 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $1K | — | $1K | 1.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $125 | — | $125 | 0.16% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | 333 INDUSTRIAL DRIVE PO BOX 1801 ADRIAN, MI 49221 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $608 | $8K | 12.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 3.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY | 333 INDUSTRIAL DRIVE PO BOX 1801 ADRIAN, MI 49221 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | 333 INDUSTRIAL DRIVE PO BOX 1801 ADRIAN, MI 49221 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $629 | $5K | 12.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 3.85% |
| KAPNICK & COMPANY, INC.3 Filed as: A.E. MOURAD AGENCY, INC. | 28277 DEQUINDRE ROAD MADISON HEIGHTS, MI 48071 | EYEMED VISION CARE | $2K | — | $2K | 5.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | EYEMED VISION CARE | $810 | — | $810 | 2.58% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK INSURANCE GROUP | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | EYEMED VISION CARE | $262 | — | $262 | 0.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | 333 INDUSTRIAL DRIVE PO BOX 1801 ADRIAN, MI 49221 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $532 | $5K | 16.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | 333 INDUSTRIAL DRIVE PO BOX 1801 ADRIAN, MI 49221 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $442 | $4K | 17.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 4.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
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 | 481 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 482 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 5 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 768 | $6.4M |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 938 | $589K |
| Vision(5 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 768 | $3.6M |
| Life insurance(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 481 | $327K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 481 | $261K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 145 | $65K |
| Prescription drug(6 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 768 | $5.3M |
| Other(5 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 481 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 938 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.