| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS MCGRAW3 | 3331 W BIG BEAVER STE 200 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $10K | $0 | $10K | 1.67% |
| REBECCA A MCLAUGHLAN3 Filed as: REBECCA MCLAUGHLAN | 3331 W BIG BEAVER S 200 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $9K | $0 | $9K | 1.60% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD STE 400 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $4K | $0 | $4K | 0.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN DBA MCGRAW | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $0 | $1K | $1K | 0.19% |
| REBECCA A MCLAUGHLAN3 | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | $0 | $4K | 1.68% |
| THOMAS MCGRAW3 | 3331 W BIG BEAVER STE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | $0 | $3K | 1.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN DBA MCGRAW | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $771 | $771 | 0.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC MCGRAW | 250 PEHL AVE STE 400 SADDLE BROOK, NJ 07663 | THE STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 13.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC MCGRAW | 250 PEHL AVE STE 400 SADDLE BROOK, NJ 07663 | THE STANDARD INSURANCE COMPANY | $514 | $0 | $514 | 1.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC MCGRAW | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | THE STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 13.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC MCGRAW | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | THE STANDARD INSURANCE COMPANY | $401 | $0 | $401 | 1.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC MCGRAW | 250 PEHL AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 13.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 250 PEHL AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $215 | $0 | $215 | 1.37% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 121 | $804K |
| Life insurance | THE STANDARD INSURANCE COMPANY | 155 | $29K |
| Short-term disability | THE STANDARD INSURANCE COMPANY | 149 | $40K |
| Long-term disability | STANDARD INSURANCE COMPANY | 149 | $16K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 121 | $804K |
| Other | THE STANDARD INSURANCE COMPANY | 155 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.