| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEATHER GRINDEM3 | 2525 SOUTH TELEGRAPH ROAD SUITE 308 BLOOMFIELD, MI 48032 | BLUE CARE NETWORK OF MICHIGAN | $54K | $0 | $54K | 4.90% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN ROAD, SUITE 400 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $13K | $0 | $13K | 1.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH, SUITE 408 BINGHAM FARMS, MI 48025 | BLUE CARE NETWORK OF MICHIGAN | $0 | $1K | $1K | 0.10% |
| HEATHER GRINDEM3 | 2525 SOUTH TELEGRAPH ROAD SUITE 308 BLOOMFIELD, MI 48032 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | $0 | $5K | 4.44% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN ROAD, SUITE 400 SOUTHFIELD, MI 48076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $1K | $0 | $1K | 1.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH, SUITE 408 BINGHAM FARMS, MI 48025 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $83 | $83 | 0.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 4TH FLOOR ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $4K | $0 | $4K | 5.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH, SUITE 408 BINGHAM FARMS, MI 48025 | EYEMED VISION CARE ON BEHALF OF THE FIDLEITY SECURITY LIFE INS. CO. | $1K | $0 | $1K | 9.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH, SUITE 408 BINGHAM FARMS, MI 48025 | METROPOLITAN LIFE INSURANCE COMPANY | $930 | $86 | $1K | 15.56% |
| MMA SERVICE CORP5 | 620 SOUTH CAPITOL AVENUE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $324 | $324 | 4.96% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 234 | $1.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 212 | $68K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDLEITY SECURITY LIFE INS. CO. | 176 | $13K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 150 | $7K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 234 | $1.2M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 150 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.