| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $27K | — | $27K | 3.72% |
| ACTION BENEFITS COMPANY3 Filed as: ACTION BENEFITS | 26533 EVERGREEN RD., SUITE 400 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | — | $7K | $7K | 1.05% |
| THOMAS MCGRAW3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $17K | — | $17K | 3.92% |
| ACTION BENEFITS COMPANY3 | 24600 NORTHWESTERN SOUTHFIELD, MI 48075 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $5K | — | $5K | 1.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | — | $604 | $604 | 0.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 9.13% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 85638 SAN DIEGO, CA 921865638 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.57% |
| AXA ASSISTANCE, USA3 | 122 S. MICHIGAN AVENUE, SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $35 | $35 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $38 | $3K | 3.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE., SUITE 400 SADDLE BROOK, NJ 076635832 | METROPOLITAN LIFE INSURANCE COMPANY | — | $433 | $433 | 0.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $913 | — | $913 | 10.01% |
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 | 113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 128 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 177 | $85K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 187 | $9K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 113 | $93K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 113 | $93K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 113 | $93K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 128 | $712K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 113 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.