| 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 | $2K | $0 | $2K | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W. BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $0 | $68 | $68 | 0.00% |
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | $0 | $2K | 1.92% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W. BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $68 | $68 | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $9K | $8K | $17K | 27.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W. BIG BEAVER RD STE 2300 TROY, MI 48084 | NATIONAL VISION ADMINISTRATORS (NGL) | $5K | $0 | $5K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W. BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $210 | $4K | 11.06% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $227 | $3K | 6.78% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $2K | $362 | $2K | 8.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA MARSH & MCLENNAN AGENCY | 755 W BIG BEAVER RD SUITE 2300 TROY, MI 48084 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $636 | $0 | $636 | 2.55% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $3K | $3K | $6K | 27.71% |
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 | 315 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 902 | $4.7M |
| Dental(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 902 | $4.7M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 839 | $147K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 311 | $63K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 311 | $20K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 902 | $4.7M |
| Other(4 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 311 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 902 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.