| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBECCA A MCLAUGHLAN3 Filed as: REBECCA A. MCLAUGHLAN | 755 WEST BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $29K | $0 | $29K | 3.20% |
| REBECCA A MCLAUGHLAN3 Filed as: REBECCA A. MCLAUGHLAN | 755 WEST BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHILED OF MICHIGAN | $16K | $0 | $16K | 3.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN | 755 WEST BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $3K | $16K | 12.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | DELTA DENTAL OF MICHIGAN | $3K | $0 | $3K | 3.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 755 WEST BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 9.30% |
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 | 364 | 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) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 171 | $1.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 261 | $98K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 216 | $14K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 364 | $127K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 364 | $127K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 364 | $127K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 171 | $1.4M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 364 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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.