| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 755 W. BIG BEAVER RD., STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $42K | $2K | $44K | 2.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W. BIG BEAVER RD., STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $3K | $19K | 12.07% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 40386 798 BERRY RD NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $907 | $89 | $996 | 0.64% |
| COMPREHENSIVE BENEFITS INC3 | 26555 EVERGREEN, STE 535 SOUTHFIELD, MI 48076 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14 | — | $14 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W. BIG BEAVER RD., STE 2300 TROY, MI 48084 | DELTA DENTAL OF MICHIGAN | — | $122 | $122 | 0.11% |
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 | 149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 331 | $1.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 344 | $115K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 331 | $1.5M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 216 | $155K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 216 | $155K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 216 | $155K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 331 | $1.5M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 216 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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.