| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBECCA A MCLAUGHLAN3 | 3331 WEST BIG BEAVER, SUITE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $20K | — | $20K | 4.23% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD SOUTHFIELD, MI 48076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | — | $4K | 0.81% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER, SUITE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $686 | $686 | 0.14% |
| REBECCA A MCLAUGHLAN3 | 3331 WEST BIG BEAVER, SUITE 200 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $19K | — | $19K | 4.50% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $3K | — | $3K | 0.80% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER, SUITE 200 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | — | $634 | $634 | 0.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER, SUITE 200 TROY, MI 48084 | GUARDIAN | $9K | $5K | $14K | 15.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER, SUITE 200 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $943 | $4K | 18.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER, SUITE 200 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $822 | $3K | 20.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER, SUITE 200 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $690 | $2K | 14.86% |
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 | 112 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 112 | 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 | 102 | $908K |
| Dental | GUARDIAN | 86 | $92K |
| Vision | GUARDIAN | 86 | $92K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 36 | $16K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 34 | $14K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 47 | $21K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 102 | $908K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 36 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.