| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER SUITE 200 TROY, MI 48084 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $67K | $0 | $67K | 2.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | DELTA DENTAL OF MICHIGAN | $13K | $0 | $13K | 4.51% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $33K | $4K | $37K | 15.66% |
| 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 | $2K | $0 | $2K | 14.13% |
| SAVAGE FAMILY IRREVOCABLE TRUST4 | 8786 E APPALOOSA TRL SCOTTSDALE, AZ 85258 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $959 | $0 | $959 | 7.67% |
| PETRILL AND ASSOCIATES LLC4 | 1613 LOOKOUT CIR WAXHAW, NC 28173 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $71 | $0 | $71 | 0.57% |
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 | 338 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 649 | $3.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 693 | $289K |
| Vision | NATIONAL VISION ADMINISTRATORS (NGL) | 663 | $36K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 338 | $236K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 338 | $236K |
| Prescription drug | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 649 | $3.1M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 348 | $260K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 693 | — |
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."
No prospect flags tripped on this filing.