| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $122K | — | $122K | 4.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $11K | $624 | $12K | 4.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER SUITE 200 TROY, MI 48084 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | $3K | $25K | 11.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER SUITE 200 TROY, MI 48084 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $795 | $7K | 11.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER SUITE 200 TROY, MI 48084 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER SUITE 200 TROY, MI 48084 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $272 | $2K | 11.34% |
| MICHELLE SAVAGE4 | 2927 CHIPPEWA AVE SIMI VALLEY, CA 93063 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | — | $2K | 15.62% |
| SCHILLER & ASSOCIATES LLC4 | 173 COTTAGE LN MILFORD, MI 48381 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | — | $1K | 7.97% |
| ANTHONY P PETRILL4 | 2700 OLD STABLES DR CELINA, TX 75009 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $363 | — | $363 | 2.29% |
| JUDY A CONLEY4 | 1966 BLUEFIN CIR ENGLEWOOD, FL 34224 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $94 | — | $94 | 0.59% |
| ALI C SANDERS4 | 37244 S. HEATHER CT WESTLAND, MI 48185 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $71 | — | $71 | 0.45% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 3000 TOWN CENTER SUITE 2900 SOUTHFIELD, MI 48075 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $282 | — | $282 | 14.98% |
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 | 384 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 389 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 771 | $3.0M |
| Dental | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | 864 | $273K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 829 | $41K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 618 | $228K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 384 | $59K |
| Prescription drug | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 771 | $3.0M |
| Other(5 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 948 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 948 | — |
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.