| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $466K | $124K | $590K | 8.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 33213 COLLECTION CENTER DR CHICAGO, IL 606930001 | VISION SERVICE PLAN | $37K | — | $37K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM INSURANCE COMPANY | $203K | $10K | $213K | 62.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W IG BEAVER RD STE 2300 TROY, MI 48084 | UNUM INSURANCE COMPANY | $56K | $7K | $63K | 29.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLEANNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM INSURANCE COMPANY | $48K | $6K | $55K | 27.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 50 WEST BIG BEAVER ROAD SUITE 460 TROY, MI 48084 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 14.72% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | HARTFORD FIRE INSURANCE COMPANY | — | $205 | $205 | 2.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 17.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | FIRST UNUM LIFE INSURANCE COMPANY | $24 | $7 | $31 | 8.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE COMPANY EIN 36-2739571 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $3.7M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $238K |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 ADMINISTRATIVE SERVICE | Contract Administrator; Claims processing Service code 12 | — | $30K |
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 | 6,197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 4,677 | $735K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,626 | $6.7M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,626 | $6.7M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,626 | $6.9M |
| Other(7 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,626 | $7.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,626 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.