| 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 | $35K | $0 | $35K | 1.50% |
| 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 | $4K | $4K | 0.15% |
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $30K | $0 | $30K | 1.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGCY LLC | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $5K | $5K | 0.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD TROY, MI 48084 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $21K | $0 | $21K | 9.65% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 5.45% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $114 | $114 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W. BIG BEAVER ROAD STE 2300 TROY, MI 48084 | UNUM INSURANCE COMPANY | $11K | $1K | $12K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 33213 COLLECTION CENTER DR CHICAGO, IL 60693 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.80% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE W #400 PARK 80 W, PLAZA 2 SADDLE BROOK, NJ 07663 | UNUM INSURANCE COMPANY | $4K | $285 | $4K | 12.45% |
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 | 650 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 656 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 850 | $4.6M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 850 | $2.3M |
| Vision | VISION SERVICE PLAN | 426 | $56K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 650 | $219K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 650 | $219K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 650 | $219K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 850 | $4.6M |
| Other(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 650 | $314K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 850 | — |
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.