| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | AMERICAN FIDELITY ASSURANCE COMPANY | $1.4M | $0 | $1.4M | 10.72% |
| NJ CAR SERVICES, INC.3 | 856 RIVER ROAD TRENTON, NJ 08628 | AMERICAN FIDELITY ASSURANCE COMPANY | $8K | $0 | $8K | 0.06% |
| PA AUTO ASSOC. INS. AGENCY, INC.3 Filed as: PA. AUTO ASSOC. INS. AGY, INC. | UNKNOWN HARRISBURG, PA 17105 | AMERICAN FIDELITY ASSURANCE COMPANY | $7K | $0 | $7K | 0.05% |
| IADA SERVICE INC3 Filed as: IADA SERVICE, INC. AND OTHER AGENTS | UNKNOWN INDIANAPOLIS, IN 46204 | AMERICAN FIDELITY ASSURANCE COMPANY | $83 | $6K | $6K | 0.04% |
| OHIO AUTO DEALERS ASSN INS3 Filed as: OHIO AUTO DEALERS ASSOC. INSURANCE | UNKNOWN DUBLIN, OH 43017 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $2K | $2K | 0.01% |
| RHODE ISLAND AUTO DEALER3 | 335-D CENTERVILLE ROAD WARWICK, RI 02886 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $1K | $1K | 0.01% |
| TEXAS AUTO DEALERS ASSOCIATION3 | UNKNOWN AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $1K | $1K | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 4TH FLOOR ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $81K | $0 | $81K | 2.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $192K | $0 | $192K | 10.00% |
| WEX HEALTH, INC.3 Filed as: WEX HEALTH | 4321 20TH AVENUE SOUTH FARGO, ND 58103 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $25K | $33K | 1.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $29K | $29K | 1.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | KAISER FOUNDATION HEALTH PLAN, INC. | $31K | $0 | $31K | 2.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $50K | $0 | $50K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | SIMNSA | $37K | $0 | $37K | 5.00% |
| ROBERT V. WEILAND3 | PO BOX 1801 ADRIAN, MI 49221 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $35K | $0 | $35K | 5.43% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY, INC. | PO BOX 1801 ADRIAN, MI 49221 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $1K | $1K | 0.17% |
| ROBERT V. WEILAND3 | PO BOX 1801 ADRIAN, MI 49221 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $35K | $0 | $35K | 5.45% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY, INC. | PO BOX 1801 ADRIAN, MI 49221 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $1K | $1K | 0.17% |
| ROBERT V. WEILAND3 | PO BOX 1801 ADRIAN, MI 49221 | BLUE CARE NETWORK OF MICHIGAN | $23K | $0 | $23K | 5.38% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY, INC. | PO BOX 1801 ADRIAN, MI 49221 | BLUE CARE NETWORK OF MICHIGAN | $0 | $849 | $849 | 0.20% |
| ROBERT V. WEILAND3 | PO BOX 1801 ADRIAN, MI 49221 | BLUE CARE NETWORK OF MICHIGAN | $23K | $0 | $23K | 5.49% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY, INC. | PO BOX 1801 ADRIAN, MI 49221 | BLUE CARE NETWORK OF MICHIGAN | $0 | $849 | $849 | 0.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $274 | $3K | 12.92% |
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 | 12,524 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,527 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 229 | $4.4M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 10,648 | $4.6M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 5,719 | $1.3M |
| Life insurance(3 contracts, 3 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 12,524 | $15.2M |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 7,115 | $13.3M |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 7,115 | $13.3M |
| Prescription drug(6 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 229 | $4.4M |
| Other(3 contracts, 3 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 12,524 | $15.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,524 | — |
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.