| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHERIBMAN, JAY | 2600 S TELEGRAPH STE 100 BLOOMFIELD HILLIS, MI 48302 | PRIORITY HEALTH | $41K | — | $41K | 3.04% |
| SCHERIBMAN, JAY3 | 2600 S TELEGRAPH STE 100 BLOOMFIELD HILLIS, MI 48302 | PRIORITY HEALTH INSURANCE COMPANY | $4K | — | $4K | 3.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGER BENEFIT SERVICES INC | 2600 S TELEGRAPH STE 100 BLOOMFIELD HILLIS, MI 48302 | EYEMED VISION CARE | $1K | — | $1K | 9.92% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE P)ARTNERS | 2600 S TELEGRAPH STE 100 BLOOMFIELD HILLIS, MI 48302 | EYEMED VISION CARE | $103 | — | $103 | 0.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGER BENEFIT SERVICES INC | 2600 S TELEGRAPH STE 100 BLOOMFIELD HILLIS, MI 48302 | GUARDIAN | $365 | $889 | $1K | 11.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PARK CENTRAL 7 12750 MERIT DR SUITE 1000 DALLAS, TX 25250 | GUARDIAN | $132 | — | $132 | 1.22% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 219 | $1.5M |
| Dental | GUARDIAN | 159 | $11K |
| Vision | EYEMED VISION CARE | 207 | $15K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH | 219 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.