| 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 | $63K | $0 | $63K | 2.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $0 | $3K | $3K | 0.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31K | $10K | $41K | 14.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $6K | $17K | 17.03% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $9K | $22K | 24.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $3K | $13K | 14.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | STARMOUNT LIFE INSURANCE COMPANY | $8K | $4K | $11K | 13.86% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $8K | $19K | 25.11% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $6K | $16K | 25.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $636 | $11K | 18.65% |
| BLOCK, CHARLES, D3 Filed as: BLOCK, CHARLES D | 648 VILLAGE PARK DR UNIT 208 WILMINGTON, NC 28405 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $334 | $5K | 9.34% |
| VAN EPPS, JAMES, H3 Filed as: VAN EPPS, JAMES H | 10930 CRABAPPLE RD, STE 206 ROSWELL, GA 30075 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $333 | $5K | 9.34% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $55 | $0 | $55 | 0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES OF | 30150 TELEGRAPH ROAD STE 408 BINGHAM FARMS, MI 48025 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 9.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $612 | $612 | 1.49% |
| MARSH & MCLENNAN AGENCY LLC4 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $10K | $0 | $10K | 35.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | FIRST UNUM LIFE INS CO | $1K | $4 | $1K | 34.14% |
| VAN EPPS, JAMES, H3 Filed as: VAN EPPS, JAMES H | 10930 CRABAPPLE RD, STE 206 ROSWELL, GA 30075 | FIRST UNUM LIFE INS CO | $504 | $3 | $507 | 17.09% |
| BLOCK, CHARLES, D3 Filed as: BLOCK, CHARLES D | 648 VILLAGE PARK DR UNIT 208 WILMINGTON, NC 28405 | FIRST UNUM LIFE INS CO | $504 | $3 | $507 | 17.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $316 | $0 | $316 | 20.06% |
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 | 1,244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 422 | $2.1M |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 728 | $81K |
| Life insurance(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,244 | $342K |
| Short-term disability(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 663 | $161K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 281 | $128K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 422 | $2.1M |
| Other(6 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,275 | $555K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,275 | — |
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.