| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $40K | $751 | $41K | 4.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $18K | $569 | $18K | 3.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | KAISER FOUNDATION HEALTH PLANS INC | $11K | — | $11K | 4.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | DELTA DENTAL OF MICHIGAN | $8K | $278 | $8K | 4.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $3K | $18K | 14.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | — | $2K | 9.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $397 | $3K | 16.89% |
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 | 179 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 211 | $1.7M |
| Dental | DELTA DENTAL OF MICHIGAN | 406 | $158K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 404 | $24K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $150K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $130K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $130K |
| Prescription drug(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 211 | $1.7M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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."
No prospect flags tripped on this filing.