| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBECCA A MCLAUGHLAN3 | 3331 W BIG BEAVER RD S200 TROY, MI 480848084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $36K | — | $36K | 0.89% |
| AMY J HALL3 | 25900 W.11 MILE RD STE 210 SOUTHFIELD, MI 480348034 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $10K | — | $10K | 0.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN DBA MCGRAW | 3331 W BIG BEAVER RD S200 TROY, MI 480848084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $4K | $4K | 0.10% |
| REBECCA A MCLAUGHLAN3 Filed as: REBECCA A MCLAUGHLIN | 3331 W. BIG BEAVER RD., SUITE 200 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $1K | — | $1K | 0.59% |
| WILLIAM J JR ROBY3 | PO BOX 436869 LOUISVILLE, KY 40253 | BLUE CARE NETWORK OF MICHIGAN | $1K | — | $1K | 0.53% |
| AMY J HALL3 | 25900 W.11 MILE RD STE 210 SOUTHFIELD, MI 480348034 | BLUE CARE NETWORK OF MICHIGAN | $470 | — | $470 | 0.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN DBA MCGRAW | 3331 W. BIG BEAVER RD., SUITE 200 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | — | $268 | $268 | 0.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $9K | 3.84% |
| CLARK INSURANCE3 Filed as: CLARK AGENCY, INC | 25900 W 11 MILE RD STE 210 SOUTHFIELD, MI 480348203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $3K | 1.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $5K | 3.46% |
| CLARK INSURANCE3 Filed as: CLARK AGENCY, INC | 25900 W 11 MILE RD STE 210 SOUTHFIELD, MI 480348203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $435 | $672 | $1K | 0.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 18.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $625 | $5K | 7.54% |
| CLARK INSURANCE3 Filed as: CLARK AGENCY, INC | 25900 W 11 MILE RD STE 210 SOUTHFIELD, MI 480348203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $347 | $5K | 6.40% |
| J.S. CLARK AGENCY, INC.3 Filed as: J.S. CLARK AGENCY INC. C/O FRANKLIN | 25900 W 11 MILE RD STE 210 SOUTHFIELD, MI 480342265 | VISION SERVICE PLAN | $1K | — | $1K | 2.11% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.47% |
| MERITAIN HEALTH3 Filed as: MERITAIN HEALTH INC | 300 CORPORATE PKWY AMHERST, NY 14226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $270 | — | $270 | 0.68% |
| MORRIS, CHRISTOPHER, ROBERT3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $100 | — | $100 | 0.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W BIG BEAVER RD TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 0.19% |
| PERFORMAX INC3 Filed as: PERFORMAX | 7004 SECURITY BLVD STE 300 BALTIMORE, MD 21244 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 0.18% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $146 | — | $146 | 8.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W BIG BEAVER RD TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17 | — | $17 | 0.96% |
| MORRIS, CHRISTOPHER, ROBERT3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3 | — | $3 | 0.17% |
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 | 443 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 456 | 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 | 743 | $4.4M |
| Vision | VISION SERVICE PLAN | 351 | $68K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 485 | $299K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $132K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 485 | $229K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 743 | $4.4M |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 485 | $417K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 743 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.