| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. MCGRAW WENTWORTH | 3331 W BIG BEAVER ROAD SUITE 200 TROY, MI 480842814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $7K | $12K | 7.10% |
| PATTERSON BRYANT GROUP INC3 Filed as: PATTERSON-BRYANT ASSOC INC | 30600 TELEGRAPH ROAD SUITE 2250 BINGHAM FARMS, MI 480254550 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 5.55% |
| PATTERSON BRYANT GROUP INC3 Filed as: PATTERSON BRYANT GROUP, INC. | 30600 TELEGRAPH ROAD BINGHAM FARMS, MI 48025 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 3.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF MICHIGAN | $3K | $0 | $3K | 2.34% |
| PATTERSON BRYANT GROUP INC3 Filed as: PATTERSON BRYANT, INC. | 30600 TELEGRAPH ROAD SUITE 2250 BINGHAM FARMS, MI 480254550 | VISION SERVICE PLAN | $526 | $0 | $526 | 2.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER ROAD SUITE 200 TROY, MI 480842814 | VISION SERVICE PLAN | $466 | $0 | $466 | 1.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 3331 W BIG BEAVER ROAD SUITE 200 TROY, MI 480842814 | VISION SERVICE PLAN | $279 | $0 | $279 | 1.09% |
| THOMAS MCGRAW3 | 3331 W. BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $7K | $24K | $31K | — |
| NZ BRYANT3 Filed as: N.Z. BRYANT | 30600 TELEGRAPH SUITE 2250 BINGHAM FARMS, MI 480254550 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $548 | $23K | $23K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THOMAS MCGRAW | Insurance brokerage commissions and fees; Non-monetary compensation; Insurance agents and brokers; Other commissions Service code 22 | — | $31K |
| N.Z. BRYANT | Insurance agents and brokers; Other commissions; Non-monetary compensation; Insurance brokerage commissions and fees Service code 22 | — | $28K |
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 | 213 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 179 | $0 |
| Dental | DELTA DENTAL OF MICHIGAN | 337 | $124K |
| Vision | VISION SERVICE PLAN | 154 | $26K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 213 | $166K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 213 | $166K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 213 | $166K |
| Prescription drug | SCRIPTGUIDE RX, INC. | 336 | $0 |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 179 | $0 |
| Other | ULLIANCE, INC | 238 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.