| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS H ROEHM3 | 5925 MERIDIAN BLVD S-300 BRIGHTON, MI 48116 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $27K | — | $27K | 3.08% |
| 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 | $14K | — | $14K | 1.61% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD SUITE 400 SOUTHFIELD, MI 48076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $9K | — | $9K | 0.99% |
| AFFILIATED AGENCIES LLC3 | 5925 MERIDIAN BLVD S-300 BRIGHTON, MI 48116 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 0.24% |
| DOUGLES H ROEHM3 | 5925 MERIDIAN BLVD S300 BRIGHTON, MI 48116 | BLUE CARE NETWORK OF MICHIGAN | $16K | — | $16K | 3.12% |
| 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 | $8K | — | $8K | 1.52% |
| AFFILIATED AGENCIES LLC3 Filed as: AFFILIATED AGENCIES, LLC | 5925 MERIDIAN BLVD S-300 BRIGHTON, MI 48116 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.24% |
| AFFILIATED AGENCIES LLC3 Filed as: AFFILIATED AGENCIES, LLC | 5925 MERIDIAN BLVD S-300 BRIGHTON, MI 48116 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 2.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 2.26% |
| ROEHM & ASSOCIATES3 | 139 WALNUT BLVD ROCHESTER, MI 48307 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 7.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $508 | $2K | 4.33% |
| ROEHM & ASSOCIATES3 Filed as: ROEHM & ASSOCAITES | 139 WALNUT BLVD ROCHESTER, MI 48307 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 9.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $329 | $3K | 7.44% |
| SEE ATTACHED3 | — | AFLAC | $2K | $80 | $2K | 21.56% |
| STRATEGIC BENEFITS4 Filed as: STRATEGIC SERVICES INC | STE 200 245 BARCLAY CIR ROCHESTER HILLS, MI 48307 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | — | $3K | 34.24% |
| DENNIS W MCVITTIE JR4 | 43749 DORISA CT NORTHVILLE, MI 48167 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $518 | — | $518 | 5.16% |
| SEE ATTACHED3 | — | AFLAC | $887 | $203 | $1K | 12.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | VISION SERVICE PLAN | $359 | — | $359 | 4.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | VISION SERVICE PLAN | $304 | — | $304 | 4.21% |
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 | 130 | 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) | 131 | 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 | 157 | $1.4M |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 334 | $150K |
| Vision(2 contracts) | VISION SERVICE PLAN | 48 | $16K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $94K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $76K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $57K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 157 | $1.4M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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.