| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS MCGRAW3 | 3331 WEST BIG BEAVER S-200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $50K | — | $50K | 0.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 3331 WEST BIG BEAVER S-200 TROY, MI 48084 | HARTFORD LIFE AND ACCIDENT | $72K | — | $72K | 13.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF MICHIGAN | $15K | $0 | $15K | 4.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC - MI | 3331 WEST BIG BEAVER S-200 TROY, MI 48084 | NATIONAL VISION ADMINISTRATORS LLC | $6K | — | $6K | 10.00% |
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 | 488 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 501 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,000 | $5.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 985 | $360K |
| Vision | NATIONAL VISION ADMINISTRATORS LLC | 946 | $62K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 488 | $518K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 488 | $518K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 488 | $518K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,000 | $5.4M |
| Other | ULLIANCE | 484 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,000 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.