| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $53K | — | $53K | 3.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $60 | $60 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | HEALTH ALLIANCE PLAN | $46K | — | $46K | 5.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $26K | — | $26K | 5.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | GUARDIAN | $8K | $8K | $17K | 8.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.10% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VI 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 3.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.60% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 3.92% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.85% |
| MARK C NIXON3 Filed as: MARK E. BROOKS | 2855 COOLIDGE HWY., SUITE 204 TROY, MI 48084 | JOHN HANCOCK LIFE INSURANCE COMPANY | $2K | — | $2K | 4.40% |
| NANCY J. SNELL3 Filed as: NANCY L. BOARI | 2855 COOLIDGE HWY., SUITE 204 TROY, MI 48084 | JOHN HANCOCK LIFE INSURANCE COMPANY | $2K | — | $2K | 4.40% |
| NANCY J. SNELL3 Filed as: NANCY L BOARI | 901 WILSHIRE DR., SUITE 300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 19.79% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.83% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 4.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $976 | — | $976 | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $261 | $261 | 4.01% |
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 | 284 | 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) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 160 | $3.2M |
| Dental | GUARDIAN | 243 | $196K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 346 | $23K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 284 | $122K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 154 | $26K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 284 | $83K |
| Other(4 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 284 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.