| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 SOUTH TELEGRAPH ROAD SUITE 1000 BLOOMFIELD HILLS, MI 48302 | STANDARD INSURANCE COMPANY | $59K | $16K | $75K | 9.53% |
| PAYSERV, LLC3 | PO BOX 711 PSB7C PORTLAND, OR 97207 | STANDARD INSURANCE COMPANY | $0 | $21K | $21K | 2.64% |
| BRENDA K. ARMOUR3 | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $81K | $0 | $81K | 13.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $27K | $27K | 4.56% |
| TITAN BENEFIT COMMUNICATIONS LLC3 Filed as: TITAN BENEFIT COMMUNICATIONS, LLC | 504 EAST 4TH STREET ROYAL OAK, MI 48067 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $674 | $0 | $674 | 3.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $201 | $0 | $201 | 1.06% |
| DAVID BRENNER3 | 504 EAST 4TH STREET ROYAL OAK, MI 48067 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $61 | $0 | $61 | 0.32% |
| GORDON CANN RAINS3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.11% |
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 | 1,656 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,656 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 2,087 | $598K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 2,087 | $598K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,656 | $805K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,656 | $805K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,656 | $786K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,656 | $805K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,087 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.