| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBECCA A MCLAUGHLAN3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $60K | — | $60K | 2.50% |
| THOMAS MCGRAW3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $45K | — | $45K | 1.88% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $3K | $3K | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | AETNA LIFE INSURANCE COMPANY | $22K | — | $22K | 15.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 13.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $153 | $2K | 18.64% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 32135 RICHMOND, VA 23294 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $210 | — | $210 | 1.63% |
| GARY W GOYER3 | 5463 WINESAP DR ROANOKE, VA 24019 | AFLAC | $242 | — | $242 | 8.48% |
| KEVIN L MARTIN3 | 1534 LINKS VIEW DR SALEM, VA 24153 | AFLAC | $35 | — | $35 | 1.23% |
| JACKSON D RHODES3 | 525 W OAKLAND AVE., SUITE 7 JOHNSON CITY, TN 37604 | AFLAC | $34 | — | $34 | 1.19% |
| 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 | $10 | — | $10 | 0.35% |
| CHRISTOPHER PARSONS3 | 193 BEACH RD POQUOSON, VA 23662 | AFLAC | $3 | — | $3 | 0.11% |
| JUSTIN W DAVIS3 | 300 LIVE OAK CT SALEM, VA 24153 | AFLAC | $2 | — | $2 | 0.07% |
| THOMAS J STEPHENSON3 | 320 9TH STREET HUNTINGTON, WV 25701 | AFLAC | $2 | — | $2 | 0.07% |
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 | 264 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 367 | $2.4M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 362 | $36K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 264 | $139K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 264 | $139K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 264 | $139K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 367 | $2.4M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 264 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.