| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBECCA A MCLAUGHLAN3 Filed as: REBECCA MCLAUGHLAN | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | PRIORITY HEALTH INSURANCE COMPANY | $20K | $0 | $20K | 3.00% |
| REBECCA A MCLAUGHLAN3 | 3331 WEST BIG BEAVER ROAD STE 200 TROY, MI 48084 | PRIORITY HEALTH | $13K | $0 | $13K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | AMERICAN UNITED LIFE INSURANCE COMPANY | $8K | $0 | $8K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | DELTA DENTAL | $2K | $0 | $2K | 4.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER ROAD TROY, MI 48084 | EYEMED | $2K | $0 | $2K | 11.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | EYEMED | $646 | $0 | $646 | 3.44% |
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 | 198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 146 | $1.1M |
| Dental | DELTA DENTAL | 245 | $49K |
| Vision | EYEMED | 216 | $19K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 198 | $51K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 198 | $51K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 146 | $1.1M |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 198 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.