| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHILIP A. GABRIELSON3 | 22525 HALL RD, STE B MACOMB, MI 48042 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $30K | $61K | $91K | 11.02% |
| PHILIP A. GABRIELSON3 Filed as: PHILIP A GABRIELSON | 22525 HALL ROAD SUITE B MACOMB, MI 48042 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $42K | — | $42K | 14.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Claims processing; Direct payment from the plan; Float revenue; Contract Administrator; Other fees; Insurance services; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $251K |
| PHILIP A GABREILSON INSURANCE AGENT | Other fees; Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees; Non-monetary compensation Service code 22 | 26555 EVERGREEN STE 535 SOUTHFIELD, MI 48051 | $132K |
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 | 323 | 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) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 328 | $822K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 384 | $284K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 384 | $284K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 384 | $284K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 384 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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.