| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD STE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $64K | — | $64K | 3.40% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $23K | — | $23K | 1.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER RD SUITE 200 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 6.94% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 3.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER ROAD STE 200 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $2K | $7K | 14.34% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 4.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER RD SUITE 200 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $5K | 13.99% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 4.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER RD SUITE 200 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $911 | $5K | 18.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER RD SUITE 200 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $597 | $3K | 15.41% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $600 | — | $600 | 2.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | HM LIFE INSURANCE COMPANY | $1K | — | $1K | 6.79% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | HM LIFE INSURANCE COMPANY | $690 | — | $690 | 3.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER RD SUITE 200 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $986 | $4K | 20.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER RD SUITE 200 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $442 | $2K | 17.89% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $405 | $16 | $421 | 15.59% |
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 | 238 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 238 | $1.9M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 616 | $125K |
| Vision | HM LIFE INSURANCE COMPANY | 260 | $22K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 232 | $54K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 192 | $71K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 39 | $28K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 232 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 616 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.