| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES CORP. | 323 WEST LAKESIDE AVE SUITE 410 CLEVELAND, OH 441131054 | UNITEDHEALTH CARE INSURANCE COMPANY | $2K | $13K | $14K | 3.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 323 WEST LAKESIDE AVE SUITE 410 CLEVELAND, OH 44113 | COMMUNITY INSURANCE COMPANY | $10K | $390 | $11K | 3.62% |
| DEAN E. AUSTIN3 Filed as: DEAN AUSTIN | 40950 WOODWARD AVE SUITE 360 BLOOMFIELD HILLS, MI 48304 | BLUE CARE NETWORK OF MICHIGAN | $8K | $0 | $8K | 4.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 12750 MERIT DR SUITE 100 DALLAS, TX 75240 | THE GUARDIAN LIFE INSURANCE OF AMERICA | $5K | $1K | $6K | 16.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 95287 CHICAGO, IL 606945287 | VISION SERVICE PLAN | $845 | — | $845 | 6.62% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTH CARE INSURANCE COMPANY | 112 | $548K |
| Dental(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 99 | $471K |
| Vision | VISION SERVICE PLAN | 56 | $13K |
| Life insurance | THE GUARDIAN LIFE INSURANCE OF AMERICA | 147 | $38K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE OF AMERICA | 147 | $38K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 26 | $175K |
| Other | THE GUARDIAN LIFE INSURANCE OF AMERICA | 147 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.