| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PARK CENTRAL 7 12750 MERIT DR SUITE 1000 DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $243K | — | $243K | 24.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2600 S TELEGRAPH RD SUITE 1000 BLOOMFIELD HILLS, MI 48302 | NATIONAL VISION ADMINISTRATORS LLC | $5K | — | $5K | 4.13% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W. FOURTH STREET SUITE 300 ROYAL OAK, MI 48067 | NATIONAL VISION ADMINISTRATORS LLC | $1K | — | $1K | 0.86% |
| CAMBRIDGE CONSULTING GROUP LLC4 Filed as: CAMBRIDGE CONSULTING GRP | 400 W 4 ST SUITE 300 ROYAL OAK, MI 48067 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $4K | — | $4K | 10.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PARK CENTRAL 7 12750 MERIT DR SUITE 1000 DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $236 | $236 | 1.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Insurance services; Direct payment from the plan; Claims processing; Other fees; Float revenue Service code 12 | PO BOX 2888 DETROIT, MI 48231 | $1.2M |
| GALLAGHER BENEFIT SERVICES | Insurance agents and brokers; Other fees; Other commissions; Insurance brokerage commissions and fees; Non-monetary compensation Service code 22 | — | $36K |
| JONATHAN M POPE | Other commissions; Other fees; Non-monetary compensation; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $24K |
| CHRISTOPHER GRAHAM ERVASTI | Non-monetary compensation; Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees; Other fees Service code 22 | — | $14K |
| SHELBY DIANE BROWN | Insurance agents and brokers; Other fees; Insurance brokerage commissions and fees; Non-monetary compensation; Other commissions Service code 22 | — | $10K |
| JAY R. SCHREIBMAN | Other fees; Insurance agents and brokers; Other commissions; Non-monetary compensation; Insurance brokerage commissions and fees Service code 22 | — | $9K |
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 | 1,665 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,665 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL VISION ADMINISTRATORS LLC | 261 | $120K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,596 | $1.0M |
| Short-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,596 | $1.0M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,596 | $1.0M |
| Other | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | 188 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,596 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.