| 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 | $27K | $0 | $27K | 2.73% |
| 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 | $1K | $1K | 0.11% |
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $20K | $0 | $20K | 2.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $0 | $476 | $476 | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | DELTA DENTAL | $6K | $0 | $6K | 4.31% |
| 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 | $8K | $2K | $10K | 10.81% |
| 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 | $9K | $1K | $10K | 17.00% |
| RICHARD J MOELLER3 | 23025 CLAIRWOOD ST SAINT CLAIR SHORES, MI 48080 | AFLAC | $186 | $5 | $191 | 2.26% |
| JOSHUA B DEVRIES3 | 110 TREALOUT DR STE 202 FENTON, MI 48430 | AFLAC | $189 | $0 | $189 | 2.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | AFLAC | $99 | $0 | $99 | 1.17% |
| GAIL GRAVES3 | 32690 COLONY HILL DR FRANKLIN, MI 48025 | AFLAC | $56 | $23 | $79 | 0.94% |
| HILARY R EBNER3 | PO BOX 760431 LATHRUP VILLAGE, MI 48076 | AFLAC | $70 | $0 | $70 | 0.83% |
| SHAUN M KLUG3 | 46389 SPINNING WHEEL DR CANTON, MI 48187 | AFLAC | $40 | $5 | $45 | 0.53% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER LLC | 4430 GLENCOE DR WILLIAMSTON, MI 48895 | AFLAC | $36 | $0 | $36 | 0.43% |
| THOMAS W BOSTON3 Filed as: THOMAS A DANKO | 71550 ELDRED RD BRUCE TWP, MI 48065 | AFLAC | $30 | $0 | $30 | 0.36% |
| AG AND ASSOCIATES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $30 | $0 | $30 | 0.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RONALD BROWN | 1632 MAPLE RIDGE WAY TRAVERSE CITY, MI 49686 | AFLAC | $27 | $0 | $27 | 0.32% |
| KACY A GRUENKEMEYER3 | 558 CLINGMANS LN CHATTANOOGA, TN 37419 | AFLAC | $14 | $0 | $14 | 0.17% |
| JAMES C SNIDER JR3 | 457 MANOR RD MAITLAND, FL 32751 | AFLAC | $12 | $0 | $12 | 0.14% |
| JAMES BULLOCK3 | 3715 POWDERHORN DR OKEMOS, MI 48864 | AFLAC | $3 | $0 | $3 | 0.04% |
| HEIDI E GLAUB3 | 4404 SAINT ANDREWS ST HOWELL, MI 48843 | AFLAC | $2 | $0 | $2 | 0.02% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $2 | $0 | $2 | 0.02% |
| THOMAS W RINGWALD3 | 37231 N 110TH ST SCOTTSDALE, AZ 85262 | AFLAC | $2 | $0 | $2 | 0.02% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $2 | $0 | $2 | 0.02% |
| CHRISTOPHER D BOULDREY3 | PO BOX 602 CONCORD, MI 49237 | AFLAC | $1 | $0 | $1 | 0.01% |
| JEFFREY C WERNER3 | 4430 GLENCOE DR WILLIAMSTON, MI 48895 | AFLAC | $1 | $0 | $1 | 0.01% |
| JULIE SLAUGHTER3 | 31211 GRANDON ST LIVONIA, MI 48150 | AFLAC | $1 | $0 | $1 | 0.01% |
| STEPHANIE L KESSELRING3 | 5434 OAKHURST DR SEMINOLE, FL 33772 | AFLAC | $1 | $0 | $1 | 0.01% |
| RICHARD J MOELLER3 | 23025 CLAIRWOOD ST SAINT CLAIR SHORES, MI 48080 | AFLAC | $291 | $4 | $295 | 4.74% |
| THOMAS W BOSTON3 Filed as: THOMAS A DANKO | 71550 ELDRED RD BRUCE TWP, MI 48065 | AFLAC | $76 | $0 | $76 | 1.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | AFLAC | $47 | $0 | $47 | 0.76% |
| GAIL GRAVES3 | 32690 COLONY HILL DR FRANKLIN, MI 48025 | AFLAC | $27 | $15 | $42 | 0.68% |
| STEVEN PETERSON3 Filed as: STEVEN AARON PETERSON | 1398 JUDD RD SALINE, MI 48176 | AFLAC | $36 | $0 | $36 | 0.58% |
| JOSHUA B DEVRIES3 | 110 TREALOUT DR STE 202 FENTON, MI 48430 | AFLAC | $26 | $0 | $26 | 0.42% |
| SHAUN M KLUG3 | 46389 SPINNING WHEEL DR CANTON, MI 48187 | AFLAC | $9 | $4 | $13 | 0.21% |
| SPAZ AND GLAUB ENTERPRISES3 | PO BOX 339 BELLAURE, WI 49615 | AFLAC | $12 | $0 | $12 | 0.19% |
| HEIDI E GLAUB3 | 4404 SAINT ANDREWS ST HOWELL, MI 48843 | AFLAC | $1 | $0 | $1 | 0.02% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $1 | $0 | $1 | 0.02% |
| STEPHANIE L KESSELRING3 | 5434 OAKHURST DR SEMINOLE, FL 33772 | AFLAC | $1 | $0 | $1 | 0.02% |
| STRATEGIC BENEFITS4 Filed as: STRATEGIC SERVICES INC | 245 BARCLAY CIR STE 200 ROCHESTER HILLS, MI 48307 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $580 | $0 | $580 | 10.42% |
| MARSH & MCLENNAN AGENCY LLC4 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $530 | $0 | $530 | 9.53% |
| DENNIS W MCVITTIE JR4 | 43749 DORISA CT NORTHVILLE, MI 48167 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $166 | $0 | $166 | 2.98% |
| MARSH & MCLENNAN AGENCY LLC4 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $217 | $0 | $217 | 4.26% |
| STRATEGIC BENEFITS4 Filed as: STRATEGIC SERVICES INC | 245 BARCLAY CIR STE 200 ROCHESTER HILLS, MI 48307 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $176 | $0 | $176 | 3.46% |
| DENNIS W MCVITTIE JR4 | 43749 DORISA CT NORTHVILLE, MI 48167 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $158 | $0 | $158 | 3.11% |
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 | 265 | 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) | 268 | 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 | 320 | $1.7M |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL | 457 | $164K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 320 | $1.0M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 265 | $150K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 265 | $107K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 265 | $92K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 320 | $1.7M |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 265 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 457 | — |
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."
No prospect flags tripped on this filing.