| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3625 N ELM ST STE 200 GREENSBORO, NC 27455 | COMMUNITY INSURANCE COMPANY | $84K | $0 | $84K | 1.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 755 W. BIG BEAVER RD. STE 2300 TROY, MI 480842804 | PRINCIPAL LIFE INSURANCE COMPANY | $73K | $0 | $73K | 15.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 100362708 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $8K | $8K | 1.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3625 N ELM ST STE 200 GREENSBORO, NC 27455 | COMMUNITY INSURANCE COMPANY | $20K | $3K | $23K | 6.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER ROAD TROY, MI 480842814 | EYEMED | $5K | $0 | $5K | 7.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 755 W. BIG BEAVER RD. STE 2300 TROY, MI 480842814 | EYEMED | $2K | $0 | $2K | 3.04% |
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 | 674 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 682 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 1,299 | $4.9M |
| Dental | COMMUNITY INSURANCE COMPANY | 1,342 | $381K |
| Vision | EYEMED | 1,062 | $65K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,113 | $462K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,113 | $462K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,113 | $462K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 1,113 | $462K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,342 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.