| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS MCGRAW3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $47K | — | $47K | 1.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $174 | $174 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | DENTAL DENTAL OF MICHIGAN | $6K | — | $6K | 3.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | AETNA LIFE INSURANCE COMPANY | $19K | — | $19K | 13.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 14.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $412 | $5K | 45.03% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 32135 RICHMOND, VA 23294 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $62 | $4K | 34.61% |
| GARY W GOYER3 | 5463 WINESAP DR ROANOKE, VA 24019 | AFLAC | $240 | — | $240 | 8.46% |
| KEVIN L MARTIN3 | 608 W CARROLLTON AVENUE SALEM, VA 24153 | AFLAC | $35 | — | $35 | 1.23% |
| JACKSON D RHODES3 | 525 W OAKLAND AVE., SUITE 7 JOHNSON CITY, TN 37604 | AFLAC | $33 | — | $33 | 1.16% |
| JOHN A HAWLEY3 | 1390 SOUTHSIDE DRIVE SALEM, VA 24153 | AFLAC | $17 | — | $17 | 0.60% |
| BRIAN CUMPTAN3 | 320 9TH STREET, SUITE 200 HUNTINGTON, WV 25701 | AFLAC | $11 | — | $11 | 0.39% |
| THOMAS E HATCHER JR3 | 1588 BAYTREE DR HARRELLS, NC 28444 | AFLAC | $11 | — | $11 | 0.39% |
| CHRISTOPHER PARSONS3 | 193 BEACH RD POQUOSON, VA 23662 | AFLAC | $1 | — | $1 | 0.04% |
| GARY W GOYER3 | 5463 WINESAP DR ROANOKE, VA 24019 | AFLAC | $12 | — | $12 | 11.43% |
| MELVIN R JONES3 | 3025 ELIOCH MANOR DR POWHATAN, VA 23139 | AFLAC | $2 | — | $2 | 1.90% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES R HILL SR | 9701 GAYTON RD., SUITE 6 RICHMOND, VA 23238 | AFLAC | $1 | — | $1 | 0.95% |
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 | 231 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 445 | $2.4M |
| Dental | DENTAL DENTAL OF MICHIGAN | 480 | $163K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 393 | $29K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 301 | $146K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 301 | $146K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 301 | $146K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 445 | $2.4M |
| Other(4 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 301 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 480 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.