| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KIMBERLY PERKINS3 | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CARE NETWORK OF MICHIGAN | $31K | $0 | $31K | 5.67% |
| KATHLEEN BURNS3 | 1414 WEST JACKSON BOULEVARD SUITE 100 CHICAGO, IL 60607 | BLUE CARE NETWORK OF MICHIGAN | $7K | $0 | $7K | 1.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | BLUE CARE NETWORK OF MICHIGAN | $0 | $781 | $781 | 0.14% |
| KIMBERLY PERKINS3 | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $10K | $0 | $10K | 3.11% |
| KATHLEEN BURNS3 | 1414 WEST JACKSON BOULEVARD SUITE 100 CHICAGO, IL 60607 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | $0 | $4K | 1.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $366 | $366 | 0.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 12.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 736 SOUTH STONE AVENUE LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 6.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 4TH FLOOR ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 6.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $723 | — | $723 | 7.65% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 82 | $878K |
| Dental | DELTA DENTAL OF MICHIGAN | 140 | $36K |
| Vision | VISION SERVICE PLAN | 78 | $9K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $48K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $48K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $48K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 82 | $878K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.