| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTOPHER M BOUSCHET3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $17K | $0 | $17K | 1.81% |
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $13K | $0 | $13K | 1.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGCY LLC | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $0 | $504 | $504 | 0.05% |
| CHRISTOPHER M BOUSCHET3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $10K | $0 | $10K | 1.95% |
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $7K | $0 | $7K | 1.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGCY LLC | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $3K | $3K | 0.54% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $776 | $3K | 12.25% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $543 | $3K | 17.93% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $256 | $2K | 17.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | AFLAC | $172 | $0 | $172 | 2.85% |
| SHAUN M KLUG3 | 46389 SPINNING WHEEL DR CANTON, MI 48187 | AFLAC | $118 | $10 | $128 | 2.12% |
| GABRIEL G TORREZ3 | 30800 TELEGRAPH RD STE 1950 BINGHAM FARMS, MI 48025 | AFLAC | $59 | $44 | $103 | 1.71% |
| MELANIE S TERRIAN3 | PO BOX 980666 YPSILANTI, MI 48198 | AFLAC | $42 | $0 | $42 | 0.70% |
| WILSON, RALPH AGENCY INC.3 | PO BOX 5069 SOUTHFIELD, MI 48086 | AFLAC | $35 | $0 | $35 | 0.58% |
| RICHARD J MOELLER3 | 23025 CLAIRWOOD ST SAINT CLAIR SHORES, MI 48080 | AFLAC | $27 | $0 | $27 | 0.45% |
| JEANNETTE SUE FOKSINSKI3 | 601 ABBOTT ST DETROIT, MI 48226 | AFLAC | $20 | $0 | $20 | 0.33% |
| GREG A GOULD3 | 8105 GINGKO WAY DEXTER, MI 48130 | AFLAC | $11 | $0 | $11 | 0.18% |
| ALAN BERGMANN3 Filed as: ALAN W BERGMANN | 461 COKESBURY DR THE VILLAGES, FL 32162 | AFLAC | $4 | $0 | $4 | 0.07% |
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 | 185 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 217 | $1.4M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 217 | $521K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 217 | $521K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 184 | $27K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 185 | $27K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 217 | $1.4M |
| Other(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 184 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.