| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBECCA A MCLAUGHLAN3 Filed as: REBECCA A. MCLAUGHLAN | 755 WEST BIG BEAVER ROAD SUITE 2300 TROT, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $22K | $0 | $22K | 2.19% |
| JULIE ANN MCNEAL3 Filed as: JULIE ANN MC NEAL | 1258 SOUTH WASHINGTON 01 SAGINAW, WI 48601 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $11K | $0 | $11K | 1.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 755 WEST BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $1K | $1K | 0.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 161 WASHINGTON STREET, SUITE 1200 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 11.98% |
| WATCHTOWER BENEFITS, LLC3 | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.51% |
| SAGINAW UNDERWRITERS INC3 Filed as: SAGINAW UNDERWRITERS, INC. | PO BOX 1928 SAGINAW, MI 48601 | METROPOLITAN LIFE INSURANCE COMPANY | $654 | $65 | $719 | 0.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE, SUITE 400 PARK 80, PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $704 | $704 | 0.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6279 TRI RIDGE BOULEVARD, SUITE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $9 | $9 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 755 WEST BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 16.78% |
| SAGINAW UNDERWRITERS INC3 Filed as: SAGINAW UNDERWRITERS, INC. | 1258 SOUTH WASHINGTON AVENUE SAGINAW, MI 48601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $970 | $0 | $970 | 1.78% |
| ASSUREDPARTNERS3 | 25900 WEST ELEVEN MILE ROAD SOUTHFIELD, MI 48034 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $191 | $0 | $191 | 4.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4609 WATERBURY DRIVE CLARKSTON, MI 48348 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.89% |
| WILLIAM OLIVER LAMB3 | 9404 PINEVIEW COURT DAVISON, MI 48423 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.82% |
| SPIES CONSULTING GROUP AND OTHERS3 | 4301 ORCHARD LAKE WEST BLOOMFIELD, MI 48323 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 0.65% |
| DAVID EDWARD GRANT3 | 431 MEADOWIND COURT PINCKNEY, MI 48169 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.07% |
| MICHAEL EDWARD HOOVER3 | 206 LAKE STREET ELK RAPIDS, MI 49629 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.05% |
| ESTATE OF JAMES AWTERLY KERN3 | 8452 NEW HAVEN WAY CANTON, MI 48187 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| GIS NATIONAL3 | 9500 KOGER AVENUE, SUITE 200 ST. PETERSBURG, FL 33702 | METLIFE LEGAL PLANS | $453 | — | $453 | 11.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA | 755 BIG BEAVER ROAD, SUITE 2300 TROY, MI 48084 | METLIFE LEGAL PLANS | $345 | $0 | $345 | 8.38% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201 AUSTIN, TX 78766 | METLIFE LEGAL PLANS | $0 | $194 | $194 | 4.71% |
| SAGINAW UNDERWRITERS INC3 | 1258 SOUTH WASHINGTON AVENUE SAGINAW, MI 48601 | METLIFE LEGAL PLANS | $33 | $0 | $33 | 0.80% |
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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 124 | $985K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 202 | $76K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 124 | $985K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 100 | $55K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 100 | $55K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 100 | $55K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 124 | $985K |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.