| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 145 W OSTEND STREET 2ND FLOOR BALTIMORE, MD 21230 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $29K | — | $29K | 1.34% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 145 W OSTEND STREET 2ND FLOOR BALTIMORE, MD 21230 | BLUE CARE NETWORK OF MICHIGAN | $12K | — | $12K | 1.36% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 145 W OSTEND STREET 2ND FLOOR BALTIMORE, MD 21230 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 6.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD 2ND FLOOR ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $1K | — | $1K | 1.69% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 145 W OSTEND STREET 2ND BALTIMORE, MD 21230 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 10.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 470 ATLANTIC AVE FL 13 BOSTON, MA 02210 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.91% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 145 W OSTEND STREET 2ND FLOOR BALTIMORE, MD 21230 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 470 ATLANTIC AVE FL 13 BOSTON, MA 02210 | STANDARD INSURANCE COMPANY | $377 | — | $377 | 1.62% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 145 W OSTEND STREET 2ND FLOOR BALTIMORE, MD 21230 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 470 ATLANTIC AVE FL 13 BOSTON, MA 02210 | STANDARD INSURANCE COMPANY | $316 | — | $316 | 1.60% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 145 W OSTEND STREET 2ND FLOOR BALTIMORE, MD 21230 | VISION SERVICE PLAN | $1K | — | $1K | 6.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 606945287 | VISION SERVICE PLAN | $571 | — | $571 | 3.20% |
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 | 270 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 252 | $3.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 270 | $77K |
| Vision | VISION SERVICE PLAN | 302 | $18K |
| Life insurance | STANDARD INSURANCE COMPANY | 516 | $38K |
| Short-term disability | STANDARD INSURANCE COMPANY | 203 | $23K |
| Long-term disability | STANDARD INSURANCE COMPANY | 181 | $20K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 252 | $3.1M |
| Other | STANDARD INSURANCE COMPANY | 516 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 516 | — |
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.