| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBECCA A MCLAUGHLAN3 | 755 W. BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $10K | — | $10K | 2.21% |
| CHRISTOPHER M BOUSCHET3 | 755 W BIG BEAVER RD TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $10K | — | $10K | 2.06% |
| CHRISTOPHER M BOUSCHET3 | 755 W BIG BEAVER RD TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $5K | — | $5K | 2.15% |
| REBECCA A MCLAUGHLAN3 | 755 W. BIG BEAVER STE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $4K | — | $4K | 1.79% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W. BIG BEAVER, SUITE 2300 TROY, MI 48084 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 14.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $975 | $3K | 22.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $908 | $706 | $2K | 17.78% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $822 | $2K | 24.35% |
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 | 79 | 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) | 80 | 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 | 73 | $710K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 64 | $52K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 64 | $52K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 23 | $9K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 25 | $9K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 79 | $12K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 73 | $710K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 23 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 79 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.