| 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 | $38K | — | $38K | 0.68% |
| REBECCA A MCLAUGHLAN3 | 3331 WEST BIG BEAVER S-200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $19K | — | $19K | 0.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 3331 WEST BIG BEAVER S-200 TROY, MI 48084 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $83K | — | $83K | 19.80% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $167 | $167 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF MICHIGAN | $13K | — | $13K | 3.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 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 | 502 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 510 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 959 | $5.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 980 | $348K |
| Vision | NATIONAL VISION ADMINISTRATORS LLC | 941 | $61K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 475 | $417K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 475 | $417K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 475 | $417K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 959 | $5.6M |
| Other | ULLIANCE | 502 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 980 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.