| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 92587 CHICAGO, IL 606945287 | VISION SERVICE PLAN | $3K | — | $3K | 2.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MBWWA SERVICES, INC. EIN 38-2932058 PLAN SPONSOR SUBSIDIARY | Plan Administrator Service code 14 | — | $449K |
| GALLAGHER BENEFIT SERVICES CONSULTANT | Consulting (general) Service code 16 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | $95K |
| CLARK HILL PLC EIN 38-0425840 ATTORNEY | Legal Service code 29 | 500 WOODWARD AVENUE, SUITE 3500 DETROIT, MI 48226 | $32K |
| MANER COSTERISAN PC EIN 38-2157642 AUDITOR | Accounting (including auditing) Service code 10 | 2425 E GRAND RIVER AVE, STE 1 LANSING, MI 48912 | $19K |
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 | 1,369 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,389 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 2,767 | $20.3M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 2,767 | $20.3M |
| Vision | VISION SERVICE PLAN | 1,191 | $111K |
| Short-term disability | THE HARTFORD LIFE & ACCIDENT | 1,312 | $265K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 2,767 | $20.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,767 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.