| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS MCGRAW3 | 3331 WEST BIG BEAVER, SUITE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $6K | $19K | $25K | 3.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER, SUITE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 0.24% |
| EHIM4 | 26711 NORTHWESTERN HWY., SUITE 400 SOUTHFIELD, MI 48034 | EMPLOYEE HEALTH INSURANCE MANAGEMENT, INC. | $1K | $6K | $7K | 5.26% |
| MARSH & MCLENNAN AGENCY LLC | 3331 WEST BIG BEAVER, SUITE 200 TROY, MI 48084 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC | 250 PEHLE AVE PARK 80 WEST PLAZA TW SADDLE BROOK, NJ 07663 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $1K | $1K | 1.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Direct payment from the plan; Claims processing; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Float revenue; Insurance services; Contract Administrator Service code 12 | 600E LAFAYETTE BLVD. DETROIT, MI 48226 | $88K |
| THOMAS MCGRAW AGENT | Other commissions; Insurance agents and brokers; Shareholder servicing fees; Insurance brokerage commissions and fees; Non-monetary compensation Service code 22 | 3331 WEST BIG BEAVER S-200 TROY, MI 48084 | $25K |
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 | 118 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 123 | $656K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 119 | $91K |
| Prescription drug | EMPLOYEE HEALTH INSURANCE MANAGEMENT, INC. | 126 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.