| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBECCA A MCLAUGHLAN3 | 755 WEST BIG BEAVER ROAD, SUITE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $46K | — | $46K | 2.04% |
| ELAINE C. COFFMAN3 Filed as: ELAINE C COFFMAN | 325 NORTH OLD WOODWARD AVENUE, SUITE 37 BIRMINGHAM, MI 48009 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $36K | — | $36K | 1.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 755 WEST BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $3K | $3K | 0.12% |
| REBECCA A MCLAUGHLAN3 Filed as: REBECCA MCLAUGHLAN | 755 WEST BIG BEAVER ROAD, SUITE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $26K | — | $26K | 1.87% |
| ELAINE C. COFFMAN3 Filed as: ELAINE C COFFMAN | 325 NORTH OLD WOODWARD AVENUE, SUITE 37 BIRMINGHAM, MI 48009 | BLUE CARE NETWORK OF MICHIGAN | $14K | — | $14K | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 WEST BIG BEAVER ROAD, SUITE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | — | $2K | $2K | 0.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 WEST BIG BEAVER ROAD, SUITE 2300 TROY, MI 48084 | TOTAL HEALTH CARE USA, INC. | $16K | — | $16K | 2.27% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | TOTAL HEALTH CARE USA, INC. | $15K | — | $15K | 2.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLEANNAN AGENCY LLC | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | DELTA DENTAL OF MICHIGAN | $21K | — | $21K | 6.22% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 1.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 WEST BIG BEAVER ROAD, SUITE 2300 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | $4K | $19K | 10.11% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 2.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLEANNAN AGENCY LLC | 755 WEST BIG BEAVER ROAD, SUITE 2300 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $3K | $13K | 9.58% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 7.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 WEST BIG BEAVER ROAD, SUITE 2300 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $2K | $10K | 10.25% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 2.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 WEST BIG BEAVER ROAD, SUITE 2300 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $925 | $4K | 10.29% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 2.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 WEST BIG BEAVER ROAD, SUITE 2300 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $753 | $5K | 12.30% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 9.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 WEST BIG BEAVER ROAD, SUITE 2300 TROY, MI 48084 | RELIANCE STARDARD LIFE INSURANCE COMPANY | $3K | $630 | $4K | 12.59% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | RELIANCE STARDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 9.44% |
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 | 518 | 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) | 521 | 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 | 726 | $3.7M |
| Dental | DELTA DENTAL OF MICHIGAN | 862 | $331K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 726 | $3.0M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 518 | $237K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 521 | $189K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 168 | $41K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 726 | $4.4M |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 518 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 862 | — |
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.