| 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 | $8K | $0 | $8K | 0.86% |
| 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 | $617 | $617 | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $94K | $14K | $107K | 17.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | HARTFORD LIFE AND ACCIDENT | $51K | $0 | $51K | 13.80% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $9K | $9K | 2.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | DELTA DENTAL OF MICHIGAN | $4K | $0 | $4K | 1.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | $2K | $34K | 31.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | EYEMED | $6K | $0 | $6K | 12.28% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | DELTA DENTAL OF MICHIGAN | $512 | $0 | $512 | 2.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $384 | $6K | 90.45% |
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 | 416 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 418 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 194 | $891K |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 569 | $225K |
| Vision | EYEMED | 591 | $45K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 616 | $632K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 616 | $625K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 479 | $369K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 194 | $891K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 616 | $733K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 616 | — |
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.