| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTOPHER M BOUSCHET3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $37K | $0 | $37K | 1.60% |
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $29K | $0 | $29K | 1.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGCY LLC | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $3K | $3K | 0.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $594 | $17K | 16.38% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $5K | $5K | 5.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $498 | $11K | 13.66% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 5.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $312 | $8K | 16.81% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 5.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $718 | $36 | $754 | 12.87% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $311 | $311 | 5.31% |
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 | 305 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 382 | $2.3M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 382 | $2.3M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 382 | $2.3M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 305 | $79K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 135 | $104K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 72 | $46K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 382 | $2.3M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 301 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.