| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHELLE SCAGLIONE3 | 13335 15 MILE ROAD SUITE 281 STERLING HTS, MI 48312 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $88K | $0 | $88K | 0.94% |
| MATTHEW LEE3 | 300 WEST 10TH STREET WEST POINT, GA 31833 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $88K | $0 | $88K | 0.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 755 WEST BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $9K | $9K | 0.09% |
| MICHELLE SCAGLIONE3 | 13335 15 MILE ROAD SUITE 281 STERLING HTS, MI 48312 | BLUE CARE NETWORK OF MICHIGAN | $69K | $0 | $69K | 0.93% |
| MATTHEW LEE3 | 300 WEST 10TH STREET WEST POINT, GA 31833 | BLUE CARE NETWORK OF MICHIGAN | $69K | $0 | $69K | 0.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 755 WEST BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $0 | $9K | $9K | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 3209 SOUTH CHEROKEE LANE SUITE 510 WOODSTOCK, GA 30188 | GUARDIAN LIFE INSURANCE COMPANY | $296K | $118K | $414K | 8.83% |
| MICHELLE F. SCAGLIONE3 | 7700 MARBLE COURT WASHINGTON, MI 48094 | GUARDIAN LIFE INSURANCE COMPANY | $296K | $32K | $328K | 6.99% |
| THOMPSON RISK II, LLC3 | 2575 NORTHBROOKE PLAZA DRIVE UNIT 204 NAPLES, FL 34119 | GUARDIAN LIFE INSURANCE COMPANY | $141K | $0 | $141K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PO BOX 70 WEST POINT, GA 31833 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $107K | $107K | 2.58% |
| SCAGLIONE ASSOC. FIN. ENT., LLC3 | 13335 15 MILE ROAD SUITE 281 STERLING HTS, MI 48312 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $107K | $107K | 2.58% |
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 | 4,373 | 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) | 4,373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 2,558 | $20.9M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 4,373 | $4.7M |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 4,373 | $4.7M |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 4,373 | $4.7M |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 4,373 | $4.7M |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 4,373 | $4.7M |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 2,558 | $20.9M |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 4,373 | $4.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,373 | — |
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.