| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF KENTUCKY | $74K | — | $74K | 2.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | HARTFORD LIFE AND ACCIDENT | $253K | $34K | $286K | 9.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | $12K | $46K | 13.68% |
| KEVIN D GREGORY3 Filed as: KEVIN D. GREGORY | 4496 GREENWOLD RD SOUTH EUCLID, OH 44121 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | $4K | $37K | 11.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | $11K | $41K | 13.77% |
| KEVIN D GREGORY3 Filed as: KEVIN D. GREGORY | 4496 GREENWOLD RD SOUTH EUCLID, OH 44121 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | $4K | $34K | 11.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | COMBINED INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 5.10% |
| PETER A MICCOLI3 | 8044 MONTGOMERY RD., SUITE 410 CINCINNATI, OH 45236 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 9.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 0.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $4K | $9K | 32.91% |
| PETER A MICCOLI3 | 8044 MONTGOMERY RD., SUITE 410 CINCINNATI, OH 45236 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $234 | — | $234 | 0.88% |
| PETER A MICCOLI3 | 8044 MONTGOMERY RD., SUITE 410 CINCINNATI, OH 45236 | PROVIDENT LIFE AND ACCIDENT LIFE INSURANCE COMPANY | $490 | — | $490 | 5.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT LIFE INSURANCE COMPANY | $79 | — | $79 | 0.89% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | COMBINED INSURANCE COMPANY OF AMERICA | $84 | — | $84 | 5.56% |
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 | 5,785 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,818 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,671 | $636K |
| Dental | DELTA DENTAL OF KENTUCKY | 9,455 | $2.9M |
| Vision(2 contracts) | COMBINED INSURANCE COMPANY OF AMERICA | 4,436 | $269K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 5,785 | $2.9M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 5,785 | $2.9M |
| Other(6 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 5,785 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,455 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.