| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER ROAD SUITE 200 TROY, MI 480842814 | VISION SERVICE PLAN | $264 | — | $264 | 0.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN, INC. | 333 BRIDGE ST NW STE 710 GRAND RAPIDS, MI 495045356 | VISION SERVICE PLAN | $200 | — | $200 | 0.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 6.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN INC | 26555 EVERGREEN STE 1600 SOUTHFIELD, MI 48076 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 6.33% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $463 | $463 | 1.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | PO BOX 101162 PASADENA, CA 911891162 | HARTFORD LIFE AND ACCIDENT | — | $162 | $162 | 0.50% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 76 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 76 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 76 | $47K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 53 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 76 | — |
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.