| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | AETNA LIFE INSURANCE COMPANY | $17K | — | $17K | 14.72% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 15.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $129 | $2K | 19.75% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 32135 RICHMOND, VA 23294 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $120 | — | $120 | 1.25% |
| GARY W GOYER3 | 5463 WINESAP DR ROANOKE, VA 24019 | AFLAC | $161 | — | $161 | 10.02% |
| JACKSON D RHODES3 | 2332 VOLUNTEER PKWY BRISTOL, TN 37620 | AFLAC | $27 | — | $27 | 1.68% |
| THOMAS E HATCHER JR3 | 1588 BAYTREE DR HARRELLS, NC 28444 | AFLAC | $9 | — | $9 | 0.56% |
| JACKSON D RHODES3 | 525 W OAKLAND AVE., SUITE 7 JOHNSON CITY, TN 37604 | AFLAC | $5 | — | $5 | 0.31% |
| CHRISTOPHER PARSONS3 | 193 BEACH RD POQUOSON, VA 23662 | AFLAC | $3 | — | $3 | 0.19% |
| REBECCA A MCLAUGHLAN3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $36K | — | $36K | — |
| MARSH & MCLENNAN AGENCY LLC3 | BECKY MCLAUGHLAN 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | — |
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 | 161 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 386 | $0 |
| Dental | DELTA DENTAL OF MICHIGAN | 374 | $0 |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 289 | $25K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 232 | $116K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 232 | $116K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 232 | $116K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 386 | $0 |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 232 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.