| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S TELEGRAPH ROAD, STE 100 BLOOMFIELD HILLS, MI 48302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $137K | — | $137K | 14.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $12K | $12K | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S TELEGRAPH ROAD, STE 100 BLOOMFIELD HILLS, MI 48302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 15.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S TELEGRAPH ROAD, STE 100 BLOOMFIELD HILLS, MI 48302 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $3K | — | $3K | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNTY INSURANCE COMPANY | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $839K |
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 BENEFIT ADMINISTRATOR | Contract Administrator; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue Service code 12 | — | $460K |
| GALLAGHER BENEFIT SERVICES INC BROKER AGENT | Insurance agents and brokers; Non-monetary compensation; Other commissions Service code 22 | 2850 GOLF RD 5TH FLOOR ROLLING MEADOWS, IL 60008 | $33K |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 BENEFIT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $31K |
| GALLAGHER BENEFIT SERVICES, INC. BROKER AGENT | Insurance agents and brokers Service code 22 | 2850 GOLF RD GBS FINANCE 4TH FLOOR ROLLING MEADOWS, IL 60008 | $0 |
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 | 762 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 772 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 577 | $89K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 772 | $964K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 772 | $964K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 684 | $802K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 772 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 772 | — |
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.