| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS MCGRAW3 | 3331 W. BIG BEAVER RD., SUITE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $31K | — | $31K | 1.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $3K | $3K | 0.17% |
| REBECCA A MCLAUGHLAN3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $960 | — | $960 | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $17K | — | $17K | 3.03% |
| BENEFIT TECHNOLOGIES LLC3 Filed as: BENEFIT TECHNOLOGIES - DIV 10 | 1200 E. TAFT AVENUE SAPULPA, OK 74066 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $54K | $685 | $55K | 32.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $423 | $6K | 3.77% |
| PIERCE, DWIGHT, L3 Filed as: PIERCE, DWIGHT L | 1200 E TAFT AVENUE SAPULPA, OK 74066 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $3K | $3K | 1.84% |
| TITIAN BENEFIT COMMUNICATIONS LLC3 | 504 EAST 4TH ST ROYAL OAK, MI 48067 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.01% |
| BRENNER, DAVID3 | 504 EAST 4TH ST ROYAL OAK, MI 48067 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| MCGRAW, THOMAS P3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.01% |
| MCGRAW, THOMAS P3 Filed as: MCGRAW, THOMAS | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W BIG BEAVER RD., STE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $3K | $27K | 17.00% |
| BENEFIT GUARANTY LLC3 | 606 COX STREET SIMPSONVILLE, SC 29681 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $9K | — | $9K | 18.50% |
| SOUTHEAST INSURANCE GROUP INC3 Filed as: SOUTHEAST INSURANCE GROUP INC. | 2340 HARDSCRABBLE RD COLUMBIA, SC 29223 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 2.90% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 10.13% |
| BENEFIT TECHNOLOGIES LLC3 Filed as: BENEFIT TECHNOLOGIES | 1200 E. TAFT AVENUE SAPULPA, OK 74066 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $487 | $9K | 35.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $997 | $73 | $1K | 4.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $527 | $4K | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W BIG BEAVER RD., STE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $503 | $6K | 22.00% |
| BENEFIT TECHNOLOGIES LLC3 Filed as: BENEFIT TECHNOLOGIES | 1200 E. TAFT AVENUE SAPULPA, OK 74066 | FIRST UNUM LIFE INSURANCE COMPANY | $724 | $4 | $728 | 42.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | FIRST UNUM LIFE INSURANCE COMPANY | $80 | $1 | $81 | 4.73% |
| PIERCE, DWIGHT, L3 Filed as: PIERCE, DWIGHT L | 1200 E. TAFT AVENUE SAPULPA, OK 74066 | FIRST UNUM LIFE INSURANCE COMPANY | — | $10 | $10 | 0.58% |
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 | 1,736 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,746 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 221 | $2.3M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 216 | $31K |
| Life insurance(4 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,736 | $357K |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 584 | $173K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 107 | $26K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 221 | $2.2M |
| Other(5 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,736 | $383K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,736 | — |
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."
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.