| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH, A MARSH & | MCLENNAN AGENCY 3331 WEST BIG BEAVER SUITE 200 TROY, MI 48084 | HEALTH ALLIANCE PLAN | $14K | — | $14K | 2.70% |
| MML INS AGENCY LLC3 | PO BOX 8089 BOSTON, MA 022668089 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $2K | $22K | 9.75% |
| MARSH & MCLENNAN AGENCY LLC3 | MCGRAW WENTWORTH 3331W BIG BEAVER STE 200 TROY, MI 48084 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $660 | $11K | 15.94% |
| MCGRAW, THOMAS P3 Filed as: MCGRAW WENTWORTH - MMA LLC | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | MCGRAW WENTWORTH 3331 W. BIG BEAVER STE 200 TROY, MI 48084 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $183 | $3K | 15.95% |
| MARSH & MCLENNAN AGENCY LLC3 | MCGRAW WENTWORTH 3331 W BIG BEAVER STE 200 TROY, MI 48084 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $176 | $3K | 15.93% |
| GALE E MOSER JR3 | 2851 CHARLEVOIX DRIVE SE STE 100 GRAND RAPIDS, MI 49546 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $580 | — | $580 | 14.99% |
| MARSH & MCLENNAN AGENCY LLC3 | MCGRAW WENTWORTH 3331 W BIG BEAVER STE 200 TROY, MI 48084 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $6 | $6 | 1.62% |
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 | 188 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 88 | $21K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 188 | $242K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 188 | $70K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 188 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.