| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $1K | $1K | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | HARTFORD LIFE AND ACCIDENT | $11K | — | $11K | 13.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2600 TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 9.68% |
| MABELS INC3 | PO BOX 544 ELK RAPIDS, MI 49629 | AMERITAS LIFE INSURANCE CORP. | $314 | — | $314 | 1.24% |
| SHAMROCK BENEFITS LLC3 | 3941 CRYSTAL WATERS LN NE GRAND RAPIDS, MI 49525 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 11.71% |
| JEREMY SAMPSEL3 | 3030 S 9TH STREET KALAMAZOO, MI 49009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $298 | $560 | $858 | 3.41% |
| MARY LOU TAYLOR3 | 1038 BOUNDARY BLVD ROTUNDA WEST, FL 33947 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.13% |
| JAMES A SMAARDYK3 Filed as: JAMES M TAYLOR | 1038 BOUNDARY BLVD ROTUNDA WEST, FL 33947 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SHAMROCK BENEFITS LLC3 | 3941 CHRYSTAL WATERS LN NE GRAND RAPIDSMI, FL 49525 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $122 | — | $122 | 8.91% |
| JEREMY SAMPSEL3 | 3030 S 9TH STREET KALAMAZOO, MI 49009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $29 | $44 | 3.21% |
| MARY LOU TAYLOR3 | 1038 BOUNDARY BLVD ROTUNDA WEST, FL 33947 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.22% |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 316 | $2.4M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 316 | $2.4M |
| Vision | AMERITAS LIFE INSURANCE CORP. | 237 | $25K |
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 164 | $106K |
| Short-term disability(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 164 | $106K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 164 | $80K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 316 | $2.4M |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 164 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.