| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER SUITE 200 TROY, MI 48084 | HEALTH ALLIANCE PLAN | $60K | $0 | $60K | 2.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER SUITE 200 TROY, MI 48084 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $23K | $0 | $23K | 1.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | DELTA DENTAL | $23K | $0 | $23K | 7.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $7K | $13K | 8.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $7K | $13K | 8.72% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $4K | $13K | 14.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER RD TROY, MI 48084 | EYEMED | $5K | $0 | $5K | 8.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | EYEMED | $1K | $0 | $1K | 2.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 16.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 14.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $798 | $2K | 15.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | — |
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 | 563 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 567 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH ALLIANCE PLAN | 463 | $4.1M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL | 1,021 | $314K |
| Vision | EYEMED | 728 | $55K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 559 | $107K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 555 | $145K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 558 | $150K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH ALLIANCE PLAN | 463 | $4.1M |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 559 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,021 | — |
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."
No prospect flags tripped on this filing.