| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS MCGRAW3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $41K | — | $41K | 2.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $3K | $3K | 0.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $22K | — | $22K | 3.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 2.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 14.40% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | NATIONAL GUARDIAN LIFE | $4K | — | $4K | 10.00% |
| LAU & LAU ASSOCIATES LLC3 | 44 E. LONG LAKE RD., SUITE 300 BLOOMFIELD HILLS, MI 483042321 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 16.57% |
| GARY C SLAUTER3 | 300 PARKLAND PLAZA ANN ARBOR, MI 481036201 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.79% |
| DAVID LAU3 | 44 E. LONG LAKE RD., SUITE 300 BLOOMFIELD HILLS, MI 481036201 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 4.34% |
| ASH BROKERAGE LLC3 Filed as: ASH BROKERAGE CORP | 7609 W. JEFFERSON BLVD. FORT WAYNE, IN 468044133 | METROPOLITAN LIFE INSURANCE COMPANY | $441 | — | $441 | 1.47% |
| PETER G SCHERMER3 | PO BOX 930453 WIXOM, MI 483930453 | METROPOLITAN LIFE INSURANCE COMPANY | $196 | — | $196 | 0.65% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
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 | 235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 424 | $2.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 640 | $260K |
| Vision | NATIONAL GUARDIAN LIFE | 184 | $35K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 235 | $111K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 235 | $30K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 235 | $51K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 424 | $2.6M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 145 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 640 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.