| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBECCA A MCLAUGHLAN3 | 755 W. BIG BEAVER RD. STE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $18K | — | $18K | 3.33% |
| MARC J LASCESKI3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | BLUE CARE NETWORK OF MICHIGAN | $9K | — | $9K | 1.62% |
| 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 | — | $828 | $828 | 0.15% |
| REBECCA A MCLAUGHLAN3 | 755 W. BIG BEAVER RD. STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | — | $3K | 3.35% |
| MARC J LASCESKI3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 1.56% |
| 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 | — | $144 | $144 | 0.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 4.18% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 2.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 7015 COLLEGE BLVD STE 400 OVERLAND PARK, KS 66211 | VISION SERVICE PLAN | $1K | — | $1K | 6.70% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 950 MAIN AVE. STE 1800 CLEVELAND, OH 44113 | VISION SERVICE PLAN | $500 | — | $500 | 3.30% |
| CLARK LISA3 | 7015 COLLEGE BLVD STE 400 OVERLAND PARK, KS 66211 | KANSAS CITY LIFE | $1K | — | $1K | 8.86% |
| STEVEN RAY GRIFFIN3 Filed as: STEVEN BALTAS | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | KANSAS CITY LIFE | $491 | — | $491 | 4.35% |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 135 | $648K |
| Dental | DELTA DENTAL OF MICHIGAN | 193 | $77K |
| Vision | VISION SERVICE PLAN | 92 | $15K |
| Life insurance | KANSAS CITY LIFE | 132 | $11K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 135 | $648K |
| Other | KANSAS CITY LIFE | 132 | $11K |
| 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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.