| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $20K | $0 | $20K | 13.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | $0 | $18K | 13.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $0 | $9K | 13.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY - TROY, MI | 3331 W BIG BEAVER ROAD TROY, MI 480842814 | EYEMED | $5K | $0 | $5K | 7.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY - TROY, MI | 755 W. BIG BEAVER RD. STE. 2300 TROY, MI 480842814 | EYEMED | $2K | $0 | $2K | 3.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 480844907 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC COMPANY | 755 W BIG BEAVER RD STE 2300 TROY, MI 480844907 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.10% |
| THOMAS MCGRAW3 | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | METROPOLITAN LIFE INSURANCE COMPANY | $571 | $0 | $571 | 1.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | TELADOC | $3K | $0 | $3K | 15.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $496 | $0 | $496 | 3.07% |
| BENEFITS TECHNOLOGIES LLC3 Filed as: BENEFITS TECHNOLOGIES - DIV 10 | 1200 E TAFT AVENUE SAPULPA, OK 74066 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$76 | $0 | -$76 | -0.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY - TROY, MI | 3331 W BIG BEAVER ROAD TROY, MI 480842814 | EYEMED | $249 | $0 | $249 | 6.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY - TROY, MI | 755 W. BIG BEAVER RD. STE. 2300 TROY, MI 480842814 | EYEMED | $152 | $0 | $152 | 3.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY - TROY, MI | 755 W. BIG BEAVER RD. STE. 2300 TROY, MI 480842814 | EYEMED | $8 | $0 | $8 | 4.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY - TROY, MI | 3331 W BIG BEAVER ROAD TROY, MI 480842814 | EYEMED | $3 | $0 | $3 | 1.63% |
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 | 598 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 623 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(3 contracts) | EYEMED | 1,059 | $67K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 693 | $138K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 212 | $73K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 693 | $156K |
| Other(5 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 693 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,059 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.