| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 480848084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $28K | $0 | $28K | 2.20% |
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 480848084 | BLUE CARE NETWORK OF MICHIGAN | $8K | $0 | $8K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH A MARSH MCLENNAN | 3331 WEST BIG BEAVER STE 200 TROY, MI 480848084 | FOUR EVER LIFE INSURANCE COMPANY | $18K | $0 | $18K | 5.00% |
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 480848084 | KAISER FOUNDATION HEALTH PLAN INC | $0 | $0 | $0 | 0.00% |
| BECKY SUTHERLAND3 Filed as: BECKY MCLAUGHLAN | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | DELTA DENTAL OF MICHIGAN | $6K | $445 | $6K | 3.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 755 W BIG BEAVER RD STE 2300 TROY, MI 480848084 | RELIASTAR LIFE INSURANCE COMPANY | $10K | $0 | $10K | 10.24% |
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 480848084 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| STEVE BAKER4 | 153 ESTHER DR COCOA BEACH, FL 32931 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | $0 | $1K | 13.51% |
| MARK MCDONALD4 | UNIT M 1365 SEACOAST DR IMPERIAL BEACH, CA 91932 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $61 | $0 | $61 | 0.80% |
| DAVID LARGENT4 | APT 32 1150 TENNYSON ST MANHATTAN BEACH, CA 90266 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $31 | $0 | $31 | 0.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 3333 W BIG BEAVER ROAD SUITE 200 TROY, MI 480848084 | HARTFORD LIFE AND ACCIDENT | $0 | $0 | $0 | — |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 244 | $2.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 436 | $198K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 408 | $24K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 267 | $95K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 267 | $95K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 267 | $95K |
| Prescription drug(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 244 | $2.3M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 267 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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.