| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JUSTIN W SPEWOCK3 Filed as: JUSTIN W. SPEWOCK | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CARE NETWORK OF MICHIGAN | $8K | $0 | $8K | 3.69% |
| DEAN E. AUSTIN3 | 38500 WOODWARD AVENUE, SUITE 360 BLOOMFIELD HILLS, MI 48304 | BLUE CARE NETWORK OF MICHIGAN | $2K | $0 | $2K | 0.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CARE NETWORK OF MICHIGAN | $0 | $610 | $610 | 0.29% |
| JUSTIN W SPEWOCK3 Filed as: JUSTIN W. SPEWOCK | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | $0 | $4K | 3.41% |
| DEAN E. AUSTIN3 | 38500 WOODWARD AVENUE, SUITE 360 BLOOMFIELD HILLS, MI 48304 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $900 | $0 | $900 | 0.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $824 | $824 | 0.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 14.79% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVENUE, SUITE 360 BLOOMFIELD HILLS, MI 48304 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 11.01% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $679 | $543 | $1K | 7.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $339 | $339 | 1.96% |
| DEAN E. AUSTIN3 | 38500 WOODWARD AVENUE, SUITE 360 BLOOMFIELD HILLS, MI 48304 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $151 | $151 | 0.87% |
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 | 90 | 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) | 90 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 100 | $330K |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 100 | $119K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 100 | $119K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 90 | $17K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 90 | $17K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 100 | $330K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 90 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.