| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $25K | $0 | $25K | 2.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $874 | $874 | 0.10% |
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $6K | $0 | $6K | 2.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $0 | $492 | $492 | 0.24% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $527 | $3K | 11.77% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $383 | $3K | 17.50% |
| SHAUN M KLUG3 Filed as: SHAUN KLUG | 46389 SPINNING WHEEL DR CANTON, MI 48187 | AFLAC | $422 | $0 | $422 | 6.81% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | AFLAC | $110 | $0 | $110 | 1.77% |
| WILSON, RALPH AGENCY INC.3 | PO BOX 5069 SOUTHFIELD, MI 48086 | AFLAC | $48 | $0 | $48 | 0.77% |
| JEANNETTE SUE FOKSINSKI3 | 601 ABBOTT ST DETROIT, MI 48226 | AFLAC | $27 | $0 | $27 | 0.44% |
| RICHARD J MOELLER3 Filed as: RICHARD MOELLER | 23025 CLAIRWOOD ST SAINT CLAIR SHORES, MI 48080 | AFLAC | $17 | $0 | $17 | 0.27% |
| GREG A GOULD3 | 8105 GINGKO WAY DEXTER, MI 48130 | AFLAC | $11 | $0 | $11 | 0.18% |
| KRAIG M SEXTON3 | 9864 E GRAND RIVER AVE STE 110 #292 BRIGHTON, MI 48116 | AFLAC | $6 | $0 | $6 | 0.10% |
| ALAN BERGMANN3 Filed as: ALAN W BERGMANN | 461 COKESBURY DR THE VILLAGES, FL 32162 | AFLAC | $5 | $0 | $5 | 0.08% |
| AG AND ASSOCIATES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $4 | $0 | $4 | 0.06% |
| MELANIE S TERRIAN3 | PO BOX 980666 YPSILANTI, MI 48198 | AFLAC | $2 | $0 | $2 | 0.03% |
| STEPHANIE L KESSELRING3 | 5434 OAKHURST DR SEMINOLE, FL 33772 | AFLAC | $1 | $0 | $1 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $835 | $138 | $973 | 17.47% |
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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 193 | $1.1M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 193 | $851K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 193 | $851K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 170 | $21K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 170 | $24K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 193 | $1.1M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 170 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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."
No prospect flags tripped on this filing.