| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S TELEGRAPH ROAD, STE 100 BLOMFIELD HILLS, MI 48302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $125K | — | $125K | 14.31% |
| GALLAGHER BENEFIT SERVICES, INC. | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $11K | $11K | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S TELEGRAPH ROAD, STE 100 BLOMFIELD HILLS, MI 48302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S TELEGRAPH ROAD, STE 100 BLOMFIELD HILLS, MI 48302 | NATIONAL VISION ADMINISTRATRS, L.L.C. | $2K | — | $2K | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 BENEFIT ADMINISTRATOR | Float revenue; Contract Administrator; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $980K |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 BENEFIT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $29K |
| GALLAGHER BENEFIT SERVICES INC EIN 31-1440175 BROKER AGENT | Insurance agents and brokers; Non-monetary compensation; Other commissions Service code 22 | 2 PIERCE PLACE 4TH FLOOR ITASCA, IL 60143 | $16K |
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 | 685 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 696 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL VISION ADMINISTRATRS, L.L.C. | 480 | $74K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 696 | $871K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 696 | $871K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 617 | $411K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 685 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 696 | — |
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.