| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | GEISINGER HEALTH PLAN | $64K | $1K | $65K | 0.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | DELTA DENTAL | $64K | $1K | $65K | 7.86% |
| BENEFIT TECHNOLOGIES LLC3 Filed as: BENEFIT TECHNOLOGIES DIV | 200 E. TAFT AVENUE SAPULPA, OK 74066 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 3.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $932 | $0 | $932 | 1.80% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $64K | $1K | $65K | 125.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | GEISINGER HEALTH PLAN | $64K | $1K | $65K | 399.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $377 | $0 | $377 | 3.19% |
| BENEFIT TECHNOLOGIES LLC3 Filed as: BENEFIT TECHNOLOGIES DIV | 200 E. TAFT AVENUE SAPULPA, OK 74066 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $117 | $0 | $117 | 0.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | LEGAL PLANS LLC | $64K | $1K | $65K | 582.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | GERBER LIFE INSURANCE COMPANY | $64K | $1K | $65K | 2279.02% |
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 | 1,689 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,705 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | GEISINGER HEALTH PLAN | 688 | $6.6M |
| Dental | DELTA DENTAL | 3,009 | $825K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,689 | $52K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,689 | $52K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,689 | $52K |
| Other(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,689 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,009 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.