| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $33K | — | $33K | 1.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 1.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | DELTA DENTAL OF MICHIGAN | $5K | $362 | $5K | 3.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 10.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 8.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | NATIONAL VISION ADMINISTRATORS, LLC | $1K | — | $1K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 16.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $907 | — | $907 | 16.05% |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 306 | $1.9M |
| Dental | DELTA DENTAL OF MICHIGAN | 431 | $151K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 210 | $13K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 218 | $48K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 218 | $34K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 217 | $32K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 306 | $1.9M |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 218 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 431 | — |
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.