| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBECCA A MCLAUGHLAN3 | 3331 W BIG BEAVER S-200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | $11K | $15K | 1.72% |
| THOMAS MCGRAW3 | 3331 WEST BIG BEAVER, SUITE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | $8K | $11K | 1.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER, SUITE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $2K | $2K | 0.22% |
| EHIM4 | 26711 NORTHWESTERN HWY., SUITE 400 SOUTHFIELD, MI 48034 | EMPLOYEE HEALTH INSURANCE MANAGEMENT, INC. | $1K | $7K | $8K | 4.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER, SUITE 200 TROY, MI 48084 | UNION SECURITY INSURANCE COMPANY | $10K | $0 | $10K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Contract Administrator; Direct payment from the plan; Other fees; Claims processing; Insurance services; Float revenue Service code 12 | 600E LAFAYETTE BLVD. DETROIT, MI 48226 | $95K |
| REBECCA A MCLAUGHLAN AGENT | Non-monetary compensation; Insurance brokerage commissions and fees; Other fees; Other commissions; Insurance agents and brokers Service code 22 | 3331 WEST BIG BEAVER S-200 TROY, MI 48084 | $15K |
| THOMAS MCGRAW AGENT | Insurance agents and brokers; Other fees; Other commissions; Non-monetary compensation; Insurance brokerage commissions and fees Service code 22 | 3331 WEST BIG BEAVER S-200 TROY, MI 48084 | $11K |
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 | 133 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 133 | $874K |
| Dental | UNION SECURITY INSURANCE COMPANY | 133 | $102K |
| Prescription drug | EMPLOYEE HEALTH INSURANCE MANAGEMENT, INC. | 135 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.