| 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 | $26K | $53K | $79K | 10.60% |
| PROADVISOR INSURANCE AGENCY LLC3 | 26555 EVERGREEN RD, STE 535 SOUTHFIELD, MI 48076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $3K | $3K | 0.36% |
| PHILIP A. GABRIELSON3 Filed as: PHILIP A GABRIELSON | 22525 HALL ROAD SUITE B MACOMB, MI 48042 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $43K | — | $43K | 15.11% |
| PROADVISOR INSURANCE AGENCY LLC | 26555 EVERGREEN ROAD STE 535 SOUTHFIELD, MI 48076 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $10K | $10K | 3.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Other fees; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Float revenue; Insurance services; Consulting (general); Contract Administrator Service code 12 | — | $259K |
| PHILIP A GABREILSON INSURANCE AGENT | Other fees; Other commissions; Non-monetary compensation; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 22525 HALL RD, STE B MACOMB, MI 48042 | $122K |
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 | 334 | 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) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 327 | $746K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 436 | $282K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 436 | $282K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 436 | $282K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 436 | $282K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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.