| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLEY A. DEMIRYAN3 | 26533 EVERGREEN RD, SUITE 400 SOUTHFIELD, MI 48075 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $10K | — | $10K | 4.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD FL 4 ROLLING MEADOWS, FL 60008 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 2.73% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | 30150 TELEGRAPH RD STE 408 BINGHAM FARMS, MI 480255708 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 13.53% |
| GALLAGHER BENEFIT SERVICES, INC.4 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PL FL 14 ITASCA, IL 601431203 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.54% |
| KELLEY A. DEMIRYAN3 | 26533 EVERGREEN RD, SUITE 400 SOUTHFIELD, MI 48075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | — | $4K | 4.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD FL 4 ROLLING MEADOWS, FL 60008 | DELTA DENTAL OF MICHIGAN | $242 | — | $242 | 2.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCN SERVICE COMPANY EIN 38-3134881 | Contract Administrator Service code 13 | 20500 CIVIC CENTER DR. SOUTHFIELD, MI 48034 | $574K |
| KELLEY DEMIRYAN AGENT | Insurance agents and brokers 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 | 250 | 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) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 11 | $90K |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 587 | $217K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 338 | $96K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 338 | $96K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 338 | $96K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 11 | $90K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 338 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 587 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.