| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & | MCLENNAN AGENCY LLC-MI 3331 WEST BIG BEAVER SUITE 200 TROY, MI 48084 | HEALTH ALLIANCE PLAN | $47K | — | $47K | 8.59% |
| MML INS AGENCY LLC3 | PO BOX 8089 BOSTON, MA 022668089 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $2K | $25K | 9.82% |
| MARSH & MCLENNAN AGENCY LLC3 | MCGRAW WENTWORTH 3331W BIG BEAVER STE 200 TROY, MI 48084 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $1K | $11K | 16.75% |
| MCGRAW, THOMAS P3 Filed as: MCGRAW WENTWORTH - MMA LLC | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $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 | $309 | $3K | 16.78% |
| MARSH & MCLENNAN AGENCY LLC3 | MCGRAW WENTWORTH 3331 W BIG BEAVER STE 200 TROY, MI 48084 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $306 | $3K | 16.88% |
| LAURA L DAWE3 | 3196 KRAFT AVE SE SUITE 101 GRAND RAPIDS, MI 49512 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $447 | — | $447 | 15.01% |
| MARSH & MCLENNAN AGENCY LLC3 | MCGRAW WENTWORTH 3331 W BIG BEAVER STE 200 TROY, MI 48084 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $0 | $6 | $6 | 8.33% |
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 | 223 | Currently employed and enrolled or eligible. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 204 | $23K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 195 | $273K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 195 | $66K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 223 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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.
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.