| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | 3331 W. BIG BEAVER RD., SUITE 200 TROY, MI 48084 | AETNA LIFE INSURANCE CO. | $5K | $76K | $81K | 3.21% |
| BARTON J. DICKINS3 Filed as: BARTON JAMES DICKENS | 515 S. FLOWER STREET, SUITE 3510 LOS ANGELES, CA 90071 | AETNA LIFE INSURANCE CO. | $3K | $41K | $44K | 1.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | 3331 W. BIG BEAVER RD., SUITE 200 TROY, MI 48084 | AETNA HEALTH, INC. | — | $24K | $24K | 2.91% |
| BARTON J. DICKINS3 Filed as: BARTON JAMES DICKINS | 515 S. FLOWER STREET, SUITE 3510 LOS ANGELES, CA 90071 | AETNA HEALTH, INC. | — | $15K | $15K | 1.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER ROAD, SUITE 200 TROY, MI 48084 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.11% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.52% |
| BARTON J. DICKINS3 | 515 S. FLOWER STREET, SUITE 3510 LOS ANGELES, CA 90071 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $614 | — | $614 | 0.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER ROAD, SUITE 200 TROY, MI 48084 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.65% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.65% |
| BARTON J. DICKINS3 | 515 S. FLOWER STREET, SUITE 3510 LOS ANGELES, CA 90071 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $569 | — | $569 | 0.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER ROAD, SUITE 200 TROY, MI 48084 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 8.78% |
| BARTON J. DICKINS3 | 515 S. FLOWER STREET, SUITE 3510 LOS ANGELES, CA 90071 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.22% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $916 | $916 | 1.79% |
| NANCY J. SNELL3 Filed as: NANCY L. BOARI | 2855 COOLIDGE HIGHWAY, SUITE 204 TROY, MI 48084 | JOHN HANCOCK LIFE INSURANCE COMPANY | $2K | — | $2K | 3.20% |
| MARK C NIXON3 Filed as: MARK E. BROOKS | 2855 COOLIDGE HIGHWAY, SUITE 204 TROY, MI 48084 | JOHN HANCOCK LIFE INSURANCE COMPANY | $2K | — | $2K | 3.20% |
| BRAD M. KREINER3 | 2855 COOLIDGE HIGHWAY, SUITE 204 TROY, MI 48084 | JOHN HANCOCK LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| NANCY J. SNELL3 Filed as: NANCY L. BOARI | 901 WILSHIRE DRIVE, SUITE 300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 19.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER ROAD, SUITE 200 TROY, MI 48084 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.82% |
| BARTON J. DICKINS3 | 515 S. FLOWER STREET, SUITE 3510 LOS ANGELES, CA 90071 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $733 | — | $733 | 2.38% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $462 | $462 | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | 3331 W. BIG BEAVER ROAD TROY, MI 480842814 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 5.67% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER ROAD, SUITE 200 TROY, MI 48084 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $705 | — | $705 | 8.54% |
| BARTON J. DICKINS3 | 515 S. FLOWER STREET, SUITE 3510 LOS ANGELES, CA 90071 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $533 | — | $533 | 6.46% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $114 | $114 | 1.38% |
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 | 329 | 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) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 564 | $3.4M |
| Dental | AETNA LIFE INSURANCE CO. | 564 | $2.5M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 397 | $26K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 329 | $133K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 177 | $31K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 329 | $96K |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 329 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 564 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.