| 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 | $32K | $0 | $32K | 2.86% |
| 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 | $3K | $3K | 0.23% |
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $21K | $0 | $21K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $0 | $984 | $984 | 0.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 309 WEBSTER ST DAYTON, OH 45402 | DELTA DENTAL OF MICHIGAN | $4K | $0 | $4K | 2.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | DELTA DENTAL OF MICHIGAN | $3K | $0 | $3K | 1.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | DELTA DENTAL OF MICHIGAN | $1K | $0 | $1K | 0.81% |
| 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 | $10K | $2K | $13K | 11.14% |
| 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 | 19.80% |
| JOSHUA DEVRIES3 | 110 TREALOUT DR STE 202 FENTON, MI 48430 | AFLAC | $206 | $0 | $206 | 2.21% |
| RICHARD J MOELLER3 Filed as: RICHARD MOELLER | 23025 CLAIRWOOD ST SAINT CLAIR SHORES, MI 48080 | AFLAC | $199 | $0 | $199 | 2.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | AFLAC | $93 | $0 | $93 | 1.00% |
| HILARY R EBNER3 Filed as: HILARY EBNER | PO BOX 760431 LATHRUP VILLAGE, MI 48076 | AFLAC | $76 | $0 | $76 | 0.81% |
| GAIL GRAVES3 | 32690 COLONY HILL DR FRANKLIN, MI 48025 | AFLAC | $52 | $0 | $52 | 0.56% |
| SHAUN M KLUG3 Filed as: SHAUN KLUG | 48187 SPINNING WHEEL DR CANTON, MI 48187 | AFLAC | $41 | $0 | $41 | 0.44% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER LLC | 4430 GLENCOE DR WILLIAMSTON, MI 48895 | AFLAC | $39 | $0 | $39 | 0.42% |
| AG AND ASSOCIATES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $33 | $0 | $33 | 0.35% |
| THOMAS DANKO3 | 71550 ELDRED RD BRUCE TWP, MI 48065 | AFLAC | $32 | $0 | $32 | 0.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RONALD BROWN | 8220 SE 6TH AVE APT 424 PORTLAND, OR 97202 | AFLAC | $24 | $0 | $24 | 0.26% |
| KACY A GRUENKEMEYER3 Filed as: KACY GRUENKEMEYER | 558 CLINGMANS LN CHATTANOOGA, TN 37419 | AFLAC | $15 | $0 | $15 | 0.16% |
| JAMES C SNIDER JR3 Filed as: JAMES SNIDER JR | 20817 POINTE REGATTA DR CORNELIUS, NC 28031 | AFLAC | $13 | $0 | $13 | 0.14% |
| JAMES BULLOCK3 | 6144 W LONGVIEW DR EAST LANSING, MI 48823 | AFLAC | $3 | $0 | $3 | 0.03% |
| HEIDI E GLAUB3 Filed as: HEIDI GLAUB | 4404 SAINT ANDREWS ST HOWELL, MI 48843 | AFLAC | $3 | $0 | $3 | 0.03% |
| RANDALL D LADNER3 Filed as: RANDALL KIMBLER | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $3 | $0 | $3 | 0.03% |
| THOMAS W BOSTON3 Filed as: THOMAS RINGWALD | 37231 N 110TH ST SCOTTSDALE, AZ 85262 | AFLAC | $3 | $0 | $3 | 0.03% |
| HEATHER DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $2 | $0 | $2 | 0.02% |
| CHRISTOPHER D BOULDREY3 Filed as: CHRISTOPHER BOULDREY | PO BOX 602 CONCORD, MI 49237 | AFLAC | $1 | $0 | $1 | 0.01% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER | 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 Filed as: STEPHANIE KESSELRING | 5434 OAKHURST DR SEMINOLE, FL 33772 | AFLAC | $1 | $0 | $1 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC4 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $566 | $0 | $566 | 9.10% |
| STRATEGIC BENEFITS4 Filed as: STRATEGIC SERVICES INC | 245 BARCLAY CIR STE 200 ROCHESTER HILLS, MI 48307 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $169 | $0 | $169 | 2.72% |
| DENNIS W MCVITTIE JR4 Filed as: DENNIS W MCVITTIE | 43749 DORISA CT NORTHVILLE, MI 48167 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $153 | $0 | $153 | 2.46% |
| STRATEGIC BENEFITS4 Filed as: STRATEGIC SERVICES INC | 245 BARCLAY CIR STE 200 ROCHESTER HILLS, MI 48307 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $489 | $0 | $489 | 9.40% |
| MARSH & MCLENNAN AGENCY LLC4 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $215 | $0 | $215 | 4.13% |
| DENNIS W MCVITTIE JR4 Filed as: DENNIS W MCVITTIE | 43749 DORISA CT NORTHVILLE, MI 48167 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $166 | $0 | $166 | 3.19% |
| RICHARD J MOELLER3 Filed as: RICHARD MOELLER | 23025 CLAIRWOOD ST SAINT CLAIR SHORES, MI 48080 | AFLAC | $171 | $0 | $171 | 3.59% |
| THOMAS DANKO3 | 71550 ELDRED RD BRUCE TWP, MI 48065 | AFLAC | $56 | $0 | $56 | 1.18% |
| STEVEN PETERSON3 | 1398 JUDD RD SALINE, MI 48176 | AFLAC | $39 | $0 | $39 | 0.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | AFLAC | $36 | $0 | $36 | 0.76% |
| JOSHUA DEVRIES3 | 110 TREALOUT DR STE 202 FENTON, MI 48430 | AFLAC | $28 | $0 | $28 | 0.59% |
| GAIL GRAVES3 | 32690 COLONY HILL DR FRANKLIN, MI 48025 | AFLAC | $20 | $0 | $20 | 0.42% |
| SPAZ AND GLAUB ENTERPRISES3 | PO BOX 339 BELLAURE, WI 49615 | AFLAC | $13 | $0 | $13 | 0.27% |
| SHAUN M KLUG3 Filed as: SHAUN KLUG | 46389 SPINNING WHEEL DR CANTON, MI 48187 | AFLAC | $7 | $0 | $7 | 0.15% |
| HEIDI E GLAUB3 Filed as: HEIDI GLAUB | 4404 SAINT ANDREWS ST HOWELL, MI 48843 | AFLAC | $1 | $0 | $1 | 0.02% |
| RANDALL D LADNER3 Filed as: RANDALL KIMBLER | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $1 | $0 | $1 | 0.02% |
| STEPHANIE L KESSELRING3 Filed as: STEPHANIE KESSELRING | 5434 OAKHURST DR SEMINOLE, FL 33772 | AFLAC | $1 | $0 | $1 | 0.02% |
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 | 336 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 343 | 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 | 307 | $1.8M |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 454 | $165K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 307 | $1.1M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 336 | $172K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 336 | $127K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 336 | $113K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 307 | $1.8M |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 336 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 454 | — |
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.