| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE 785439 | 701 B ST., 4TH FL SAN DIEGO, CA 92101 | LIFE INSUR CO. OF NORTH AMERICA | $6K | — | $6K | 2.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN INSURANCE AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSUR CO. OF NORTH AMERICA | $5K | — | $5K | 1.74% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE 785439 | 701 B ST., 4TH FL SAN DIEGO, CA 92101 | LIFE INSURANCE CO. OF NORTH AMERICA | $8K | — | $8K | 4.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN INSURANCE AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE CO. OF NORTH AMERICA | $6K | — | $6K | 2.94% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE 785439 | 701 B ST., 4TH FL SAN DIEGO, CA 92101 | LIFE INSURANCE CO. OF NORTH AMERICA | $3K | — | $3K | 4.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN INSURANCE AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE CO. OF NORTH AMERICA | $2K | — | $2K | 2.94% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS 22ND FLOOR NEW YORK, NY 10036 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $2K | — | $2K | 25.00% |
| ALLIANCE INSURANCE GROUP LLC3 Filed as: ALLIANCE INSURANCE SERVICES, INC. | 6550 ROCK SPRING DR., STE 610 BETHESDA, MD 20817 | UNUM LIFE INSURANCE CO. OF AMERICA | $616 | — | $616 | 9.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN INSURANCE AGENCY | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | UNUM LIFE INSURANCE CO. OF AMERICA | $311 | — | $311 | 5.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS 22ND FLOOR NEW YORK, NY 10036 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $1K | — | $1K | 25.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 CONTRACT ADMINISTRATOR | Contract Administrator; Direct payment from the plan; Consulting (general); Insurance services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other fees; Claims processing Service code 12 | — | $544K |
| REBECCA A MCLAUGHLAN INSURANCE AGENT | Other fees; Non-monetary compensation; Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 3331 W BIG BEAVER RD., SUITE 200 TROY, MI 48084 | $98K |
| MARSH & MCLENNAN AGENCY | Insurance brokerage commissions and fees; Other fees; Insurance agents and brokers; Non-monetary compensation; Other commissions Service code 22 | 3331 W. BIG BEAVER, SUITE 200 TROY, MI 48084 | $0 |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSUR CO. OF NORTH AMERICA | 1,236 | $282K |
| Long-term disability | LIFE INSURANCE CO. OF NORTH AMERICA | 590 | $189K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE CO. OF NORTH AMERICA | 1,341 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,341 | — |
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."
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.