| 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 | $55K | $0 | $55K | 1.63% |
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $6K | $0 | $6K | 1.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | SUN LIFE ASSURANCE COMPANY OF CANADA | $55K | $9K | $64K | 17.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | DELTA DENTAL OF MICHIGAN | $8K | $0 | $8K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 755 W. BIG BEAVER RD., STE. 2300 TROY, MI 48084 | EYEMED | $9K | $0 | $9K | 29.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH RD BINGHAM FARMS, MI 48025 | EYEMED | $1K | $0 | $1K | 3.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2600 S. TELEGRAPH RD. BLOOMFIELD HILLS, MI 48302 | EYEMED | $433 | $0 | $433 | 1.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 3331 W BIG BEAVER ROAD TROY, MI 48084 | EYEMED | $153 | $0 | $153 | 0.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 E BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $1K | $0 | $1K | 6.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 3331 WEST BIG BEAVER RD, SUITE 200 TROY, MI 48084 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $554 | $24 | $578 | 2.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, MI 19406 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $389 | $389 | 1.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 33213 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $170 | $0 | $170 | 0.81% |
| MARSH & MCLENNAN AGENCY LLC3 | UNKNOWN UNKNOWN, MI 00000 | DENTEGRA INSURANCE COMPANY | $469 | $0 | $469 | 4.36% |
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 | 483 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 506 | 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 | 627 | $3.8M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 653 | $203K |
| Vision | EYEMED | 597 | $30K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 483 | $358K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 483 | $358K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 483 | $358K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 627 | $3.8M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 483 | $379K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 653 | — |
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.