| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 4.11% |
| MARSH & MCLENNAN AGENCY LLC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 23.57% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $374 | $0 | $374 | 1.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 23.16% |
| MARSH & MCLENNAN AGENCY LLC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 22.73% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $277 | $0 | $277 | 1.75% |
| MARSH & MCLENNAN AGENCY LLC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 25.67% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $247 | $0 | $247 | 1.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGCY LLC | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $395 | $0 | $395 | 5.21% |
| HEATHER PINARD4 | 33526 MELTON ST WESTLAND, MI 48186 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $421 | $0 | $421 | 11.10% |
| MARSH & MCLENNAN AGENCY LLC4 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $339 | $0 | $339 | 8.94% |
| MARSH & MCLENNAN AGENCY LLC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $354 | $0 | $354 | 26.52% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24 | $0 | $24 | 1.80% |
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 | 88 | 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) | 89 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 160 | $41K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 80 | $8K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 81 | $16K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 81 | $13K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 81 | $20K |
| Other(4 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 146 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.