| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN, INC. | 333 BRIDGE ST NW SUITE 710 GRAND RA GRAND RAPIDS, MI 49504 | DELTA DENTAL OF MICHIGAN | $36K | $0 | $36K | 3.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF MICHIGAN | $12K | $2K | $14K | 1.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN AGNC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $2K | $28K | 12.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN INC | PO BOX 416719 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $2K | $24K | 10.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN AGEN | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $1K | $22K | 13.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN INC | 26555 EVERGREEN STE 1600 SOUTHFIELD, MI 48076 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $1K | $17K | 10.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN AGNC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $1K | $18K | 13.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN INC | PO BOX 416719 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $1K | $14K | 10.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN, INC. | PO BOX 416719 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $703 | $8K | 13.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $346 | $3K | 5.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN INC | PO BOX 416719 BOSTON, MA 02241 | MONY LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 10.42% |
| BRIAN DUDA3 | 701 HURON AVE STE 101 PORT HURON, MI 48060 | MONY LIFE INSURANCE COMPANY OF AMERICA | $24 | $0 | $24 | 0.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN INC | 26555 EVERGREEN STE 1600 SOUTHFIELD, MI 48076 | RELIASTAR LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
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 | 1,257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 2,617 | $955K |
| Vision | VISION SERVICE PLAN | 1,110 | $169K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,277 | $140K |
| Long-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 149 | $64K |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,277 | $593K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,617 | — |
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."
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.