| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTOPHER M BOUSCHET3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $77K | $0 | $77K | 2.65% |
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $49K | $0 | $49K | 1.66% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | $7K | $19K | 7.23% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | $7K | $30K | 13.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | NATIONAL VISION ADMINISTRATORS (NGL) | $2K | $0 | $2K | 5.00% |
| SCHILLER & ASSOCIATES LLC4 | 173 COTTAGE LN MILFORD, MI 48381 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $814 | $0 | $814 | 7.53% |
| SAVAGE FAMILY IRREVOCABLE TRUST4 | 8786 E APPALOOSA TRL SCOTTSDALE, AZ 85258 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $600 | $0 | $600 | 5.55% |
| PETRILL AND ASSOCIATES LLC4 | 439 CHRISTOPHER RD SHELBY, NC 28152 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $44 | $0 | $44 | 0.41% |
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 | 295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 649 | $2.9M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 272 | $269K |
| Vision | NATIONAL VISION ADMINISTRATORS (NGL) | 626 | $35K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 297 | $225K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 297 | $225K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 297 | $225K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 649 | $2.9M |
| Other(4 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,609 | $546K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,609 | — |
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.
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.