| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBECCA A MCLAUGHLAN3 | 755 W BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $34K | $0 | $34K | 2.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 755 W BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $2K | $2K | 0.15% |
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $49K | $0 | $49K | 5.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $0 | $2K | $2K | 0.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | DELTA DENTAL OF MICHIGAN | $5K | $0 | $5K | 3.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 9.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 755 W BIG WEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $12K | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM INSURANCE COMPANY | $2K | $411 | $3K | 23.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM INSURANCE COMPANY | $2K | $380 | $2K | 24.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM INSURANCE COMPANY | $1K | $269 | $2K | 23.69% |
| MARSH & MCLENNAN AGENCY LLC4 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $629 | $0 | $629 | 12.26% |
| DENNIS W MCVITTIE JR4 Filed as: DENNIS W MCVITTIE | 43749 DORISA CT NORTHVILLE, MI 48167 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $135 | $0 | $135 | 2.63% |
| STRATEGIC BENEFITS4 Filed as: STRATEGIC SERVICES INC | 245 BARCLAY CIR STE 200 ROCHESTER HILLS, MI 48307 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $94 | $0 | $94 | 1.83% |
| STRATEGIC BENEFITS4 Filed as: STRATEGIC SERVICES INC | 245 BARCLAY CIR STE 200 ROCHESTER HILLS, MI 48307 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $245 | $0 | $245 | 5.80% |
| MARSH & MCLENNAN AGENCY LLC4 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $220 | $0 | $220 | 5.21% |
| DENNIS W MCVITTIE JR4 | 43749 DORISA CT NORTHVILLE, MI 48167 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $131 | $0 | $131 | 3.10% |
| JOSHUA DEVRIES3 | 110 TREALOUT DR STE 202 FENTON, MI 48430 | AFLAC | $82 | $0 | $82 | 2.24% |
| HILARY R EBNER3 Filed as: HILARY EBNER | PO BOX 760431 LATHRUP VILLAGE, MI 48076 | AFLAC | $54 | $0 | $54 | 1.47% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER LLC | 4430 GLENCOE DR WILLIAMSTON, MI 48895 | AFLAC | $28 | $0 | $28 | 0.76% |
| RICHARD J MOELLER3 Filed as: RICHARD MOELLER | 23025 CLAIRWOOD ST SAINT CLAIR SHORES, MI 48080 | AFLAC | $25 | $0 | $25 | 0.68% |
| AG AND ASSOCIATES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $20 | $0 | $20 | 0.55% |
| THOMAS DANKO3 | 71550 ELDRED RD BRUCE TWP, MI 48065 | AFLAC | $11 | $0 | $11 | 0.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | AFLAC | $9 | $0 | $9 | 0.25% |
| KACY A GRUENKEMEYER3 Filed as: KACY GRUENKEMEYER | 558 CLINGMANS LN CHATTANOOGA, TN 37419 | AFLAC | $9 | $0 | $9 | 0.25% |
| SHAUN M KLUG3 Filed as: SHAUN KLUG | 46389 SPINNING WHEEL DR CANTON, MI 48187 | AFLAC | $7 | $0 | $7 | 0.19% |
| GAIL GRAVES3 | 32690 COLONY HILL DR FRANKLIN, MI 48025 | AFLAC | $5 | $0 | $5 | 0.14% |
| JAMES BULLOCK3 | 6144 W LONGVIEW DR EAST LANSING, MI 48823 | AFLAC | $2 | $0 | $2 | 0.05% |
| HEIDI E GLAUB3 Filed as: HEIDI GLAUB | 4404 SAINT ANDREWS ST HOWELL, MI 48843 | AFLAC | $2 | $0 | $2 | 0.05% |
| RANDALL D LADNER3 Filed as: RANDALL KIMBLER | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $2 | $0 | $2 | 0.05% |
| THOMAS W BOSTON3 Filed as: THOMAS RINGWALD | 37231 N 110TH ST SCOTTSDALE, AZ 85262 | AFLAC | $2 | $0 | $2 | 0.05% |
| JAMES C SNIDER JR3 Filed as: JAMES SNIDER JR | 4105 MILLSTREAM RD DENVER, NC 28037 | AFLAC | $1 | $0 | $1 | 0.03% |
| HEATHER DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $1 | $0 | $1 | 0.03% |
| CHRISTOPHER D BOULDREY3 Filed as: CHRISTOPHER BOULDREY | 448 RIVER WOODS DR FLUSHING, MI 48433 | AFLAC | $1 | $0 | $1 | 0.03% |
| STEVEN PETERSON3 | 1398 JUDD RD SALINE, MI 48176 | AFLAC | $19 | $0 | $19 | 2.23% |
| THOMAS DANKO3 | 71550 ELDRED RD BRUCE TWP, MI 48065 | AFLAC | $10 | $0 | $10 | 1.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | AFLAC | $5 | $0 | $5 | 0.59% |
| SPAZ AND GLAUB ENTERPRISES3 | PO BOX 339 BELLAIRE, WI 49615 | AFLAC | $5 | $0 | $5 | 0.59% |
| RICHARD J MOELLER3 Filed as: RICHARD MOELLER | 23025 CLAIRWOOD ST SAINT CLAIR SHORES, MI 48080 | AFLAC | $4 | $0 | $4 | 0.47% |
| GAIL GRAVES3 | 32690 COLONY HILL DR FRANKLIN, MI 48025 | AFLAC | $3 | $0 | $3 | 0.35% |
| SHAUN M KLUG3 Filed as: SHAUN KLUG | 46389 SPINNING WHEEL DR CANTON, MI 48187 | AFLAC | $1 | $0 | $1 | 0.12% |
| HEIDI E GLAUB3 Filed as: HEIDI GLAUB | 4404 SAINT ANDREWS ST HOWELL, MI 48843 | AFLAC | $1 | $0 | $1 | 0.12% |
| RANDALL D LADNER3 Filed as: RANDALL KIMBLER | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $1 | $0 | $1 | 0.12% |
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 | 332 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 332 | 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 | 340 | $2.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 500 | $159K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 340 | $1.2M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 332 | $185K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 332 | $120K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 332 | $116K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 340 | $2.0M |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 332 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 500 | — |
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.