| 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 | $7K | $17K | $23K | 12.30% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH AND MCLENNAN AGENCY | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $690 | $690 | 0.36% |
| EHIM | 26711 NORTHWESTERN HWY., SUITE 400 SOUTHFIELD, MI 48034 | EMPLOYEE HEALTH INSURANCE MANAGEMENT, INC. | $638 | $3K | $4K | 5.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance services; Claims processing; Direct payment from the plan; Float revenue; Other fees; Contract Administrator; Consulting (general) Service code 12 | 600 E. LAFAYETTE BLVD DETROIT, MI 48226 | $79K |
| REBECCA A MCLAUGHLAN AGENT | Other fees; Insurance brokerage commissions and fees; Insurance agents and brokers; Non-monetary compensation; Other commissions Service code 22 | 3331 W BIG BEAVER S200 TROY, MI 48084 | $23K |
| MARSH AND MCLENNAN AGENCY AGENT | Other fees; Insurance agents and brokers; Other commissions; Non-monetary compensation; Insurance brokerage commissions and fees Service code 22 | 3331 W BIG BEAVER STE 200 TROY, MI 48084 | $690 |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 152 | $191K |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 152 | $191K |
| Prescription drug | EMPLOYEE HEALTH INSURANCE MANAGEMENT, INC. | 94 | $72K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 152 | $191K |
| 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.