| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER, SUITE 200 TROY, MI 48084 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $27K | — | $27K | 6.79% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER, SUITE 200 TROY, MI 48084 | GUARDIAN | $4K | — | $4K | 10.00% |
| LUCIDO MORRIS ASSOCIATES, LLC3 Filed as: LUCIDO MORRIS ASSOCIATES LLC | 24255 W 13 MILE ROAD SUITE 250 BINGHAM FARMS, MI 48025 | GUARDIAN | $76 | — | $76 | 0.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER, SUITE 200 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 14.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER, SUITE 200 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER, SUITE 200 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $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 | 105 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 196 | $399K |
| Dental | GUARDIAN | 80 | $38K |
| Vision | GUARDIAN | 80 | $38K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 33 | $12K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 37 | $13K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 44 | $16K |
| Prescription drug | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 196 | $399K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 33 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.