| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIEL P BROOKS3 Filed as: DANIEL PATRICK BROOKS | 30150 TELEGRAPH STE. 408 BINGHAM FARMS, MI 48025 | BLUE CARE NETWORK OF MICHIGAN | $15K | — | $15K | 3.22% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD. STE. 400 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $4K | — | $4K | 0.74% |
| JAMES RANDALL STINES3 | 5905 E GALBRAITH RD STE. 9000 CINCINNATI, OH 45236 | BLUE CARE NETWORK OF MICHIGAN | $3K | — | $3K | 0.63% |
| TGG SOLUTIONS3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | BLUE CARE NETWORK OF MICHIGAN | $1K | — | $1K | 0.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH BINGHAM FARMS, MI 48025 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD. FLOOR 4 ROLLING MEADOWS, FL 60008 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 3.71% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE INC. | 5905 E GALBRAITH RD. CINCINNATI, OH 45236 | DELTA DENTAL OF MICHIGAN | $1K | — | $1K | 3.19% |
| MICHIGAN CHAMBER SERVICES, INC.3 Filed as: MICHIGAN CHAMBER OF COMMERCE | 600 S WALNUT ST. LANSING, MI 48933 | VISION SERVICES PLAN | $0 | $4K | $4K | 32.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 30150 TELEGRAPH RD STE 408 BINGHAM FARMS, MI 480255708 | METROPOLITAN LIFE INSURANCE COMPANY | $824 | $75 | $899 | 8.34% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INS INC | 5905 E GALBRAITH RD STE 9000 CINCINNATI, OH 452362375 | METROPOLITAN LIFE INSURANCE COMPANY | $399 | $254 | $653 | 6.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | — | $78 | $78 | 0.72% |
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 | 92 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 94 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 105 | $472K |
| Dental | DELTA DENTAL OF MICHIGAN | 173 | $42K |
| Vision | VISION SERVICES PLAN | 170 | $14K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 132 | $11K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 132 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.