| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH MARSH & MCLENNAN | 3331 WEST BIG BEAVER ROAD TROY, MI 48084 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $71K | $13K | $84K | 7.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH MARSH & MCLENNAN | 3331 WEST BIG BEAVER ROAD TROY, MI 48084 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $67K | $12K | $79K | 7.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH MARSH & MCLENNAN | 3331 WEST BIG BEAVER ROAD TROY, MI 48084 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $43K | $13K | $56K | 8.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 480842814 | VISION SERVICE PLAN | $28K | — | $28K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $190K | $17K | $207K | 70.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER ROAD, SUITE 200 TROY, MI 48084 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 6.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | HARTFORD LIFE AND ACCIDENT | — | $98 | $98 | 2.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBSM, INC. EIN 41-0984460 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $2.9M |
| BSWIFT, LLC EIN 36-4391310 NONE | Direct payment from the plan; Other services Service code 49 | — | $489K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $204K |
| COMERICA BANK, N.A. EIN 27-6499174 NONE | Direct payment from the plan; Float revenue; Other services; Custodial (securities); Shareholder servicing fees; Trustee (bank, trust company, or similar financial institution) Service code 19 | — | $11K |
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 | 4,289 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 55 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 129 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,473 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 3,046 | $568K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,381 | $1.1M |
| Short-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,509 | $1.4M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,406 | $679K |
| Other(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,381 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,509 | — |
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.