| 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 | $27K | — | $27K | 1.19% |
| KELLEY A. DEMIRYAN3 | 26533 EVERGREEN RD, SUITE 400 SOUTHFIELD, MI 48075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $19K | — | $19K | 4.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD FL 4 ROLLING MEADOWS, FL 60008 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 3.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 30150 TELEGRAPH RD STE 408 BINGHAM FARMS, MI 480255708 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $41 | $12K | 13.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PL FL 14 ITASCA, IL 601431203 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD FL 4 ROLLING MEADOWS, FL 60008 | DELTA DENTAL OF MICHIGAN | $391 | — | $391 | 3.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KELLEY DEMIRYAN AGENT | Insurance brokerage commissions and fees; Insurance agents and brokers; Soft dollars commissions; Other commissions; Non-monetary compensation 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 | 552 | 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) | 552 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 552 | $2.7M |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 622 | $219K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 318 | $85K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 318 | $85K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 318 | $85K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 552 | $2.7M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 318 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 622 | — |
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.