| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES DBA CBA | 2000 MORRIS AVE, STE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $129K | $0 | $129K | 19.99% |
| LOVASCO CONSULTING GROUP INC3 | ONE WOODWARD AVE STE 1500 DETROIT, MI 48226 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $52K | $6K | $58K | 8.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $26K | $26K | 3.98% |
| LOVASCO CONSULTING GROUP INC3 | ONE WOODWARD AVENUE STE 1500 DETROIT, MI 48226 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $44K | $3K | $46K | 11.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2000 MORRIS AVE, STE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 2.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 W GOLF RD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $697 | $697 | 0.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES DBA CBA | 2000 MORRIS AVE, STE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $229K | $0 | $229K | 71.95% |
| LOVASCO CONSULTING GROUP INC3 | ONE WOODWARD AVE STE 1500 DETROIT, MI 48226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $64K | $4K | $68K | 21.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $39K | $39K | 12.25% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $4K | $4K | 1.16% |
| LOVASCO CONSULTING GROUP INC3 | ONE WOODWARD AVE STE 1500 DETROIT, MI 48226 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | $1K | $27K | 12.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2000 MORRIS AVE, STE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 3.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 W GOLF RD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $853 | $853 | 0.40% |
| LOVASCO CONSULTING GROUP INC3 | ONE WOODWARD AVE STE 1500 DETROIT, MI 48226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19K | $10K | $29K | 76.18% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $2K | $2K | 3.98% |
| EUGENE F LOVASCO3 | ONE WOODWARD AVE STE 1500 DETROIT, MI 482265479 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $28K | $0 | $28K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 THIRD PARTY ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance services; Float revenue; Claims processing; Consulting (general); Contract Administrator; Other fees; Direct payment from the plan Service code 12 | P.O. BOX 230495 GRAND RAPIDS, MI 49523 | $1.4M |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 THIRD PARTY ADMINISTRATOR | Contract Administrator Service code 13 | — | $47K |
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 | 2,103 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 3,257 | $0 |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 3,257 | $0 |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 3,257 | $0 |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,103 | $739K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 252 | $251K |
| Long-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,103 | $672K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 3,257 | $0 |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 3,257 | $0 |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,555 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,257 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.