| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | HARTFORD LIFE AND ACCIDENT | $215K | $47K | $262K | 9.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF KENTUCKY | $69K | — | $69K | 2.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $51K | — | $51K | 11.75% |
| KEVIN D GREGORY3 Filed as: KEVIN D. GREGORY | 4496 GREENWOLD RD SOUTH EUCLID, OH 44121 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $36K | — | $36K | 8.27% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 0.89% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $49K | — | $49K | 12.07% |
| KEVIN D GREGORY3 Filed as: KEVIN D. GREGORY | 4496 GREENWOLD RD SOUTH EUCLID, OH 44121 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $33K | — | $33K | 7.98% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 0.80% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | COMBINED INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 10.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | COMBINED INSURANCE COMPANY OF AMERICA | $78 | — | $78 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $894 | $2K | 6.29% |
| PETER A MICCOLI3 | 8044 MONTGOMERY RD., SUITE 410 CINCINNATI, OH 45236 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.85% |
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 | 5,571 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,596 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 9,334 | $2.6M |
| Vision(2 contracts) | COMBINED INSURANCE COMPANY OF AMERICA | 4,199 | $302K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 5,571 | $2.9M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 5,571 | $2.9M |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 5,571 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,334 | — |
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.