| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN INS. AGENCY, LLC | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | KAISER FOUNDATION HEALTH PLAN INC. | $23K | — | $23K | 3.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | STANDARD INSURANCE COMPANY | $30K | — | $30K | 6.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | AETNA HEALTH, INC. | $15K | — | $15K | 3.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $10K | — | $10K | 4.49% |
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 | 1,053 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,061 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 116 | $1.3M |
| Life insurance | STANDARD INSURANCE COMPANY | 1,068 | $443K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,068 | $443K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 116 | $1.3M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,117 | $443K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,117 | — |
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.