| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS MCGRAW3 | 3331 W BIG BEAVER SUITE 200 TROY, MI 48084 | BLUECROSS BLUESHIELD OF MICHIGAN | $23K | — | $23K | 1.71% |
| MARK C KENDALL3 | 55 E JACKSON BOULEVARD CHICAGO, IL 60604 | BLUECROSS BLUESHIELD OF MICHIGAN | $19K | $763 | $20K | 1.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN DBA MCGRAW | 3331 W BIG BEAVER SUITE 200 TROY, MI 48084 | BLUECROSS BLUESHIELD OF MICHIGAN | $2K | — | $2K | 0.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD 12TH FL CHICAGO, IL 60604 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 7.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE FLOOR 16 DALLAS, TX 75231 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 5.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HUB INTL GUL 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | NATIONAL VISION ADMINISTRATORS, LLC | $975 | — | $975 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD EIN 38-2069753 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $218K |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF MICHIGAN | 244 | $1.3M |
| Dental | BLUECROSS BLUESHIELD OF MICHIGAN | 244 | $1.3M |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 247 | $10K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 135 | $69K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 135 | $69K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 135 | $69K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 135 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.