| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 309 WEBSTER ST DAYTON, OH 45402 | DELTA DENTAL OF MICHIGAN | $5K | $0 | $5K | 4.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 1.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | DELTA DENTAL OF MICHIGAN | $676 | $0 | $676 | 0.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER ROAD TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $738 | $7K | 16.83% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN ASSOCIATES LLC | 1800 ROUTE 34 BUILDING 4, SUITE 404A WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $562 | $5K | 17.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1800 ROUTE 34 BUILDING 4, SUITE 404A WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BEAVER ROAD SUITE 2300 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $492 | $4K | 17.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1800 ROUTE 34 BUILDING 4, SUITE 404A WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $931 | $101 | $1K | 16.62% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1800 ROUTE 34 BUILDING 4, SUITE 404A WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $311 | $0 | $311 | 5.01% |
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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 340 | $127K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 145 | $40K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 145 | $25K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 145 | $28K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 145 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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.