| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | 2443 SIR BARTON WAY, STE 400 LEXINGTON, KY 40509 | BAPTIST HEALTH PLAN | $187K | — | $187K | 3.50% |
| PHILLIP LESLIE3 | 17304 PRESTON RD, STE 1070 DALLAS, TX 75252 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $204K | — | $204K | 14.11% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT HR CONSULTING, LLC | PO BOX 202617 DALLAS, TX 75320 | KAISER FOUNDATION HEALTH PLAN INC | $29K | — | $29K | 2.01% |
| REAUME CORPORATION3 | 3100 LAHSER RD, STE 9 BEVERLY HILLS, MI 48025 | METROPOLITAN LIFE INSURANCE CO | $76K | — | $76K | 6.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH RD, STE 408 BINGHAM FARMS, MI 48025 | METROPOLITAN LIFE INSURANCE CO | $8K | $64 | $9K | 0.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE CO | — | $2K | $2K | 0.12% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT HR CONSULTING, LLC | PO BOX 202617 DALLAS, TX 75320 | KAISER FOUNDATION HEALTH PLAN, INC | $20K | — | $20K | 2.07% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL, LLC | 2443 SIR BARTON WAY, STE 400 LEXINGTON, KY 40509 | DELTA DENTAL OF KENTUCKY | $17K | — | $17K | 4.98% |
| V M O AND ASSOC, INC3 | PO BOX 1717 GUAYNABO, PR 00970 | MCS LIFE INSURANCE CO | $16K | — | $16K | 4.93% |
| REAUME CORPORATION3 | 31000 LAHSER RD, STE 9 BEVERLY HILLS, MI 48025 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | — | $23K | 11.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 30150 TELEGRAPH RD, STE 408 BINGHAM FARMS, MI 48025 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $64 | $2K | 0.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $295 | $295 | 0.14% |
| REAUME CORPORATION3 | 31000 LAHSER RD, STE 9 BEVERLY HILLS, MI 48025 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 3.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | C/O RAINS GROUP 30150 TELEGRAPH RD, STE 408 BINGHAM FARMS, MI 48025 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 1.67% |
| REAUME CORPORATION3 | 31000 LAHSER RD., STE 9 BEVERLY HILLS, MI 48025 | METROPOLITAN LIFE INSURANCE CO | $13K | — | $13K | 10.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH RD., STE 408 BINGHAM FARMS, MI 48025 | METROPOLITAN LIFE INSURANCE CO | $926 | $64 | $990 | 0.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE CO | — | $170 | $170 | 0.14% |
| ROBERT WILLIAM CARROLL3 Filed as: ROBERT REAUME | 31000 LAHSER RD, STE 9 BEVERLY HILLS, MI 48025 | HYATT LEGAL PLANS | $7K | — | $7K | 6.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH RD, STE 408 BINGHAM FARMS, MI 48025 | HYATT LEGAL PLANS | $3K | $245 | $4K | 3.55% |
| REAUME CORPORATION3 | 31000 LAHSER RD., STE 9 BEVERLY HILLS, MI 48025 | METROPOLITAN LIFE INS CO | $4K | — | $4K | 5.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH RD., STE 408 BINGHAM FARMS, MI 48025 | METROPOLITAN LIFE INS CO | $539 | $64 | $603 | 0.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INS CO | — | $130 | $130 | 0.19% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 5905 E GALBRAITH RD, STE 5000 CINCINNATI, OH 45236 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 100 MATSONFORD RD RADNOR, PA 19087 | FOUR EVER LIFE INS CO | $859 | — | $859 | 8.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF MI | MAIL CODE 520 R 600 E. LAFAYETTE DETROIT, MI 48226 | FOUR EVER LIFE INS CO | — | $429 | $429 | 4.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH RD., STE 408 BINGHAM FARMS, MI 48025 | METROPOLITAN LIFE INSURANCE CO | — | $64 | $64 | 1.92% |
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 | 10,087 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 186 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 10,273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 5 carriers) | BAPTIST HEALTH PLAN | 1,491 | $8.3M |
| Dental(4 contracts, 3 carriers) | DELTA DENTAL OF MICHIGAN | 7,538 | $5.4M |
| Vision(3 contracts, 2 carriers) | VISION SERVICE PLAN | 5,564 | $657K |
| Life insurance(6 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,243 | $3.1M |
| Short-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 173 | $11K |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,935 | $1.6M |
| Prescription drug(2 contracts) | HMSA | 49 | $160K |
| Other(8 contracts, 6 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,102 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,102 | — |
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.