| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $62K | $0 | $62K | 4.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGCY LLC | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $0 | $2K | $2K | 0.12% |
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $7K | $0 | $7K | 4.23% |
| 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 | $0 | $450 | $450 | 0.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W. BIG BEAVER RD. STE. 2300 TROY, MI 48084 | DEARBORN LIFE INSURANCE COMPANY | $13K | $0 | $13K | 9.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | DELTA DENTAL OF MICHIGAN | $7K | $0 | $7K | 4.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 309 WEBSTER ST DAYTON, OH 45402 | DELTA DENTAL OF MICHIGAN | $112 | $0 | $112 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | AFLAC | $2K | $0 | $2K | 5.17% |
| KIMBERLEE DIEL3 | 5841 DOVER LN TRAVERSE CITY, MI 49685 | AFLAC | $1K | $111 | $1K | 4.48% |
| SHAUN M KLUG3 | 48187 SPINNING WHEEL DR CANTON, MI 48187 | AFLAC | $492 | $26 | $518 | 1.59% |
| GP INSURANCE AGENCY INC3 | 34400 UTICA RD FRASER, MI 48026 | AFLAC | $453 | $0 | $453 | 1.39% |
| DENA E GABRY3 | 26400 LAHSER RD STE 109 SOUTHFIELD, MI 48033 | AFLAC | $391 | $0 | $391 | 1.20% |
| RICHARD J MOELLER3 | 23025 CLAIRWOOD ST SAINT CLAIR SHORES, MI 48080 | AFLAC | $317 | $0 | $317 | 0.97% |
| THOMAS W BOSTON3 Filed as: THOMAS A DANKO | 71550 ELDRED RD BRUCE TWP, MI 48065 | AFLAC | $123 | $0 | $123 | 0.38% |
| SHAUN M KLUG3 | 46389 SPINNING WHEEL DR CANTON, MI 48187 | AFLAC | $97 | $0 | $97 | 0.30% |
| THOMAS FRAZEE3 Filed as: THOMAS M FRAZEE | 5318 HIDDEN PINES CT BRIGHTON, MI 48116 | AFLAC | $95 | $0 | $95 | 0.29% |
| DAMIEN SCZEPANIAK3 Filed as: DAMIEN J SCZEPANIAK | 51534 CAROLINE DR CHESTERFIELD, MI 48047 | AFLAC | $11 | $0 | $11 | 0.03% |
| HEATHER PINARD4 | 33526 MELTON ST WESTLAND, MI 48186 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $548 | $0 | $548 | 10.70% |
| MARSH & MCLENNAN AGENCY LLC4 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $172 | $0 | $172 | 3.36% |
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 | 191 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 303 | $1.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 311 | $133K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 303 | $155K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 191 | $141K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 191 | $141K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 191 | $141K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 303 | $1.5M |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 191 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.