| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS MCGRAW3 | 3331 W BIG BEAVER S-200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $82K | — | $82K | 1.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W BIG BEAVER RD, STE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $5K | $5K | 0.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W BIG BEAVER RD, STE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $4K | $21K | 11.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W BIG BEAVER RD, STE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $158 | $16K | 15.01% |
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 | 454 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 983 | $5.1M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 983 | $5.1M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 983 | $5.1M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 473 | $186K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 473 | $186K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 983 | $5.1M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 510 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 983 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.