| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL R BULGARELLI3 Filed as: MICHAEL BULGARELLI | 29100 NORTHWESTERN #240 SOUTHFIELD, MI 480341089 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $22K | $4K | $26K | 4.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 30150 TELEGRAPH ROAD #408 BINGHAM FARMS, MI 480254545 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $145 | $145 | 0.02% |
| MICHAEL R BULGARELLI3 Filed as: MICHAEL BULGARELLI | 29100 NORTHWESTERN #240 SOUTHFIELD, MI 480341089 | BLUE CARE NETWORK OF MICHIGAN | $12K | $972 | $13K | 4.52% |
| ACTION BENEFITS COMPANY3 Filed as: ACTION BENEFITS | 26533 EVERGREEN ROAD, SUITE 400 SOUTHFIELD, MI 480768076 | BLUE CARE NETWORK OF MICHIGAN | $3K | — | $3K | 0.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 30150 TELEGRAPH ROAD #408 BINGHAM FARMS, MI 480254545 | BLUE CARE NETWORK OF MICHIGAN | — | $64 | $64 | 0.02% |
| EMPLOYEE NAVIGATOR, LLC0 Filed as: EMPLOYEE HEALTH INSURANCE MANAGEMEN | 26711 NORTHWESTERN HIGHWAY #400 SOUTHFIELD, MI 48033 | EMPLOYEE HEALTH INSURANCE MANAGEMENT INC | — | $5K | $5K | 9.64% |
| COSTAFF BENEFIT SERVICES INC3 Filed as: COSTAFF SERVICES | 26555 EVERGREEN SOUTHFIELD, MI 48076 | EMPLOYEE HEALTH INSURANCE MANAGEMENT INC | $1K | — | $1K | 2.47% |
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 | 188 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 188 | $877K |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 188 | $602K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 188 | $602K |
| Prescription drug | EMPLOYEE HEALTH INSURANCE MANAGEMENT INC | 121 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.