| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTOPHER KEITH3 | 751 ARBOR WAY, SUTE 250 BLUE BELL, PA 19422 | PRIORITY HEALTH | $60K | $0 | $60K | 1.96% |
| HEATHER GRINDEM3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | PRIORITY HEALTH | $32K | $0 | $32K | 1.04% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOY WAY, SUITE 250 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39K | $0 | $39K | 10.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $0 | $19K | 5.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 0.44% |
| HEATHER GRINDEM3 | 2525 SOUTH TELEGRAPH ROAD SUITE 308 BLOOMFIELD, MI 48032 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $7K | $0 | $7K | 2.14% |
| PATRICIA SULLIVAN FORLETTA3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | $0 | $5K | 1.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH, SUITE 408 BINGHAM FARMS, MI 48025 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $615 | $615 | 0.20% |
| DAVID FELIX HARRIS3 Filed as: DAVID J. GRIFFIN | 715 ARBOR WAY, SUITE 250 03 BLUE BELL, PA 19422 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $6K | $0 | $6K | 2.82% |
| MICHAEL JAMES YOUNG3 | 5659 RIO VISTA DRIVE CLEARWATER, FL 33760 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | $0 | $4K | 1.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD GBS FINANCE, 4TH FLOOR ROLLING MEADOWS, IL 60008 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $483 | $483 | 0.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 25.77% |
| BETH J. SOMMERS3 | 1390 WEST BOULEVARD BERKLEY, MI 48072 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 15.95% |
| RICHARD J MOELLER3 Filed as: RICHARD J. MOELLER | 23025 CLAIRWOOD SAINT CLAIR SHORE, MI 48080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 4.17% |
| SHAUN M KLUG3 Filed as: SHAUN M. KLUG | 957 HILLANDALE ROAD BENTON HARBOR, MI 49022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $565 | $0 | $565 | 1.47% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOY WAY, SUITE 250 BLUE BELL, PA 19422 | CONTINENTAL AMERICAN INSURANCE COMPANY | $446 | $0 | $446 | 1.16% |
| PETER JAMES SARANTIS3 Filed as: PETER J. SARANTIS | UNKNOWN CHELSEA, MI 48118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $130 | $1K | 7.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | METROPOLITAN LIFE INSURANCE COMPANY | $567 | $71 | $638 | 3.62% |
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 | 261 | 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) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 559 | $3.1M |
| Dental(2 contracts) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 828 | $524K |
| Vision(2 contracts) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 828 | $524K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 367 | $364K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 367 | $364K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 367 | $364K |
| Prescription drug | PRIORITY HEALTH | 559 | $3.1M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 367 | $420K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 828 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.