| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2 PIERCE PLACE ITASCA, IL 60143 | PRINCIPAL LIFE INSURANCE COMPANY | $32K | — | $32K | 6.99% |
| W BRYAN HIRN3 | 30150 TELEGRAPH, STE 408 BINGHAM FARMS, MI 48025 | BLUECROSS BLUESHIELD OF MICHIGAN | $6K | $3K | $9K | 2.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE ITASCA, IL 60143 | VISION SERVICE PLAN | $312 | — | $312 | 0.52% |
| TITAN BENEFIT COMMUNICATIONS LLC3 | 504 EAST 4TH ST ROYAL OAK, MI 48067 | PROVIDENT LIFE AND ACCIDENT | $1K | — | $1K | 3.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH RD, STE 408 BINGHAM FARMS, MI 48025 | PROVIDENT LIFE AND ACCIDENT | $275 | — | $275 | 0.86% |
| DAVID BRENNER3 | 504 EAST 4TH ST. ROYAL OAK, MI 48067 | PROVIDENT LIFE AND ACCIDENT | $181 | — | $181 | 0.57% |
| GORDON CANN RAINS3 Filed as: GORDON C RAINS | 30150 TELEGRAPH RD, STE 408 BINGHAM FARMS, MI 48025 | PROVIDENT LIFE AND ACCIDENT | $59 | — | $59 | 0.18% |
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 | 1,490 | 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) | 1,493 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF MICHIGAN | 1,910 | $413K |
| Vision | VISION SERVICE PLAN | 1,111 | $61K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,490 | $452K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,490 | $452K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,490 | $452K |
| Other | PROVIDENT LIFE AND ACCIDENT | 136 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,910 | — |
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.