| 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 | $18K | $0 | $18K | 1.62% |
| CHRISTOPHER M BOUSCHET3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $18K | $0 | $18K | 1.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $2K | $2K | 0.19% |
| CHRISTOPHER M BOUSCHET3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $10K | $0 | $10K | 1.69% |
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $7K | $0 | $7K | 1.32% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $0 | $627 | $627 | 0.11% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 412703 BOSTON, MA 02241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.28% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 412703 BOSTON, MA 02241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $1K | $12K | 33.36% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 412703 BOSTON, MA 02241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $719 | $4K | 18.41% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 412703 BOSTON, MA 02241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $429 | $3K | 24.15% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 412703 BOSTON, MA 02241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $204 | $2K | 28.29% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 412703 BOSTON, MA 02241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 24.01% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 412703 BOSTON, MA 02241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $295 | $64 | $359 | 18.24% |
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 | 339 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 351 | 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 | 284 | $1.7M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 284 | $1.1M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 284 | $1.1M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 339 | $37K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 64 | $44K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 71 | $21K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 284 | $1.7M |
| Other(5 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 339 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 339 | — |
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.