| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBECCA A MCLAUGHLAN3 | 3331 WEST BIG BEAVER S-200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $57K | — | $57K | 1.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN DBA MCGRAW | 3331 W BIG BEAVER RD S200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | — | $5K | 0.09% |
| 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 | $125K | — | $125K | 21.71% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $185 | $185 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF MICHIGAN | $15K | — | $15K | 4.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 WEST BIG BEAVER STE 200 TROY, MI 48084 | NATIONAL VISION ADMINISTRATORS LLC | $7K | — | $7K | 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 | 508 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 519 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 991 | $5.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 1,033 | $360K |
| Vision | NATIONAL VISION ADMINISTRATORS LLC | 1,016 | $65K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 523 | $577K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 523 | $577K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 523 | $577K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 991 | $5.5M |
| Other | ULLIANCE | 508 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,033 | — |
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.