| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVSC | 30150 TELEGRAPH RD STE 408 BINGHAM FARMS, MI 48025 | BLUE CARE NETWORK OF MICHIGAN | $58K | — | $58K | 2.91% |
| KELLEY A. DEMIRYAN3 | 30150 TELEGRAPH ROAD SUITE 408 BINGHAM FARMS, MI 48025 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $19K | — | $19K | 3.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH RD BINGHAM FARMS, MI 48025 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 3.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 30150 TELEGRAPH RD STE 408 BINGHAM FARMS, MI 480255708 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $41 | $13K | 15.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PL FL 14 ITASCA, IL 601431203 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD BINGHAM FARMS, MI 48025 | DELTA DENTAL OF MICHIGAN | $494 | — | $494 | 3.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KELLEY DEMIRYAN AGENT | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions; Non-monetary compensation; Soft dollars commissions Service code 22 | 30150 TELEGRAPH STE 408 BINGHAM FARMS, MI 48025 | $0 |
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 | 515 | 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) | 515 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 515 | $2.5M |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 605 | $235K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 302 | $82K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 302 | $82K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 302 | $82K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 515 | $2.5M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 302 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 605 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.