| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 WEST BIG BEAVER ROAD STE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $229K | $153K | $382K | 12.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 WEST BIG BEAVER ROAD TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $112K | $14K | $126K | 15.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 480842814 | VISION SERVICE PLAN | $29K | — | $29K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $177 | $177 | 3.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENDY, LLC | 50 WEST BIG BEAVER ROAD, SUITE 460 TROY, MI 48084 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $35K | — | $35K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Direct payment from the plan; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Insurance services; Float revenue; Contract Administrator; Claims processing Service code 12 | — | $3.2M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $217K |
| WEST HEALTH ADVOCATE SOLUTIONS EIN 23-3080019 NONE | Claims processing; Contract Administrator Service code 12 | — | $118K |
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 | 4,898 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,946 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 3,488 | $587K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,887 | $3.1M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,887 | $3.1M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,887 | $3.1M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,898 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,898 | — |
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.