| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBECCA A MCLAUGHLAN3 | 755 W. BIG BEAVER RD. STE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $52K | $0 | $52K | 2.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 755 W. BIG BEAVER RD. STE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $0 | $3K | $3K | 0.16% |
| REBECCA A MCLAUGHLAN3 | 755 W. BIG BEAVER RD. STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $18K | $0 | $18K | 3.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 755 W. BIG BEAVER RD. STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $457 | $457 | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER ROAD STE 200 TROY, MI 48084 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 11.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER ROAD STE 200 TROY, MI 48084 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 33.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER ROAD STE 200 TROY, MI 48084 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 10.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER ROAD STE 200 TROY, MI 48084 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 54.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER ROAD STE 200 TROY, MI 48084 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 61.58% |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 396 | $2.3M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 396 | $517K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 396 | $517K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 373 | $15K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 208 | $8K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 396 | $2.3M |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 373 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.