| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 755 W BIG BEAVER RD STE. 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $21K | $243 | $21K | 4.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 755 W BIG BEAVER RD STE. 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $15K | $364 | $15K | 4.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 755 W BIG BEAVER RD STE. 2300 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $226 | $226 | 1.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 755 W BIG BEAVER RD STE. 2300 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $141 | $5K | 30.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 755 W BIG BEAVER RD STE. 2300 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $100 | $2K | 15.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 755 W BIG BEAVER RD STE. 2300 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $41 | $1K | 25.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 755 W BIG BEAVER RD STE. 2300 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $974 | $37 | $1K | 25.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 755 W BIG BEAVER RD SUITE 2300 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $634 | $0 | $634 | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 755 W BIG BEAVER RD STE. 2300 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $152 | $7 | $159 | 15.73% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143 | 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 | 152 | $778K |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 152 | $443K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 152 | $443K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 140 | $17K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 43 | $22K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 43 | $11K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 152 | $778K |
| Other(5 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 140 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.