| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACTION BENEFITS COMPANY3 Filed as: ACTION BENEFITS | 26533 EVERGREEN ROAD, SUITE 400 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $19K | — | $19K | 4.57% |
| ERIC T. HAMMILL3 Filed as: ERIC T HAMMILL | 30150 TELEGRAPH ROAD #408 BINGHAM FARMS, MI 480255708 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $10K | — | $10K | 2.42% |
| DANIEL WERNER3 | 2465 WENDRICK COURT WEST BLOOMFIELD, MI 48323 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | $409 | $3K | 0.86% |
| MICHAEL R BULGARELLI3 Filed as: MICHAEL BULGARELLI | 29100 NORTHWESTERN #240 SOUTHFIELD, MI 480341089 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 0.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 30150 TELEGRAPH RD. STE 408 BINGHAM FARMS, MI 480255708 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $375 | $375 | 0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 5401 ROGERS AVENUE SUITE 202 FORT SMITH, AR 72903 | GUARDIAN LIFE INSURANCE COMPANY | $3K | $4K | $6K | 8.45% |
| MICHAEL R BULGARELLI3 Filed as: MICHAEL BULGARELLI | 907 MARYWOOD DRIVE ROYAL OAK, MI 48067 | GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.54% |
| DANIEL WERNER3 | 2465 WENDRICK COURT WEST BLOOMFIELD, MI 48323 | GUARDIAN LIFE INSURANCE COMPANY | $866 | — | $866 | 1.20% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 104 | $811K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 147 | $72K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 147 | $72K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 147 | $72K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 104 | $811K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 147 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.