| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | — | $19K | 9.60% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 1.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER STE 2300 TROY, MI 48084 | HEALTH ALLIANCE PLAN | $3K | — | $3K | 1.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 5600 NEW KING DR STE 210 TROY, MI 48098 | HEALTH ALLIANCE PLAN | $2K | — | $2K | 1.74% |
| CREATIVE BENEFITS & INS. SOLUTIONS3 Filed as: CREATIVE BENEFITS & INS SOLUTIONS | 45170 CASE AVENUE UTICA, MI 48317 | HEALTH ALLIANCE PLAN | $1K | — | $1K | 0.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER STE 2300 TROY, MI 48084 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 1.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 5600 NEW KING DR STE 210 TROY, MI 48098 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 1.45% |
| CREATIVE BENEFITS & INS. SOLUTIONS3 Filed as: CREATIVE BENEFITS & INS SOLUTIONS | 45170 CASS AVENUE UTICA, MI 48317 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 1.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DR CLEARWATER, FL 337653225 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | — | $3K | 4.24% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVENUE OF THE AMERICAS FLOOR 8 NEW YORK, NY 100365811 | KAISER FOUNDATION HEALTH PLAN, INC. | $284 | — | $284 | 0.39% |
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 | 180 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTH ALLIANCE PLAN | 34 | $322K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 180 | $195K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 180 | $195K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 180 | $195K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 180 | $195K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 180 | $195K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 7 | $74K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 180 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.