| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE BOSTON, MA 02199 | DELTA DENTAL OF MCHIGAN | $8K | $493 | $8K | 3.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | — | $18K | 13.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 13.00% |
| MARSH & MCLENNAN AGENCY LLC | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 13.00% |
| MARSH & MCLENNAN AGENCY LLC | 3331 WEST BIG BEAVER ROAD TROY, MI 480842814 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 7.46% |
| MARSH & MCLENNAN AGENCY LLC | 755 WEST BIG BEAVER ROAD TROY, MI 48084 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 2.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX INC EIN 33-0441200 PHARMACY BENEFITS MANAGER | Direct payment from the plan; Claims processing; Other fees; Float revenue Service code 12 | — | $716K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $194K |
| MARSH & MCLENNAN AGENCY LLC EIN 26-3237576 BROKER | Other commissions Service code 55 | 755 W BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | $46K |
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 | 479 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MCHIGAN | 939 | $213K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 798 | $55K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 607 | $129K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 419 | $140K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 382 | $76K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 159 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 939 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.