| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS MCGRAW3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $13K | — | $13K | 1.59% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD., SUITE 400 SOUTHFIELD, MI 480768076 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $5K | — | $5K | 0.62% |
| REBECCA A MCLAUGHLAN3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 480848084 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $5K | — | $5K | 0.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 480848084 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | — | $836 | $836 | 0.11% |
| THOMAS MCGRAW3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 480848084 | BLUE CARE NETWORK OF MICHIGAN | $21K | — | $21K | 3.26% |
| REBECCA A MCLAUGHLAN3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 480848084 | BLUE CARE NETWORK OF MICHIGAN | $9K | — | $9K | 1.42% |
| ACTION BENEFITS COMPANY3 Filed as: ACTION BENEFITS | 26533 EVERGREEN RD., SUITE 400 SOUTHFIELD, MI 480768076 | BLUE CARE NETWORK OF MICHIGAN | $8K | — | $8K | 1.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 480848084 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | KAISER FOUNDATION HEALTH PLANS INC. | $8K | — | $8K | 4.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 4.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 12.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $340 | $3K | 18.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $287 | — | $287 | 73.59% |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | 129 | $1.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 296 | $125K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 284 | $18K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $76K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $60K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 128 | $655K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.