| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KIMBERLY ANN KNUE3 | 2600 S TELEGRAPH RD, STE 100 BLOOMFIELD HILLS, MI 483028302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $26K | — | $26K | 4.09% |
| DANIEL WERNER3 | 2465 WENDRICK COURT WEST BLOOMFIELD, MI 483233664 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $9K | — | $9K | 1.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2600 S TELEGRAPH RD, STE 100 BLOOMFIELD HILLS, MI 483028302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.17% |
| KIMBERLY ANN KNUE3 | 2600 S TELEGRAPH RD, STE 100 BLOOMFIELD HILLS, MI 483028302 | BLUE CARE NETWORK OF MICHIGAN | $10K | — | $10K | 3.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2600 S TELEGRAPH RD, STE 100 BLOOMFIELD HILLS, MI 483028302 | BLUE CARE NETWORK OF MICHIGAN | — | $322 | $322 | 0.11% |
| DANIEL WERNER3 | 2465 WENDRICK COURT WEST BLOOMFIELD, MI 483233664 | BLUE CARE NETWORK OF MICHIGAN | -$1K | — | -$1K | -0.44% |
| EMPLOYEE NAVIGATOR, LLC0 Filed as: EMPLOYEE HEALTH INSURANCE MANAGEMEN | 26711 NORTHWESTERN HIGHWAY #400 SOUTHFIELD, MI 48033 | EMPLOYEE HEALTH INSURANCE MANAGEMENT INC | $3K | $6K | $8K | 7.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 551 MAIN ST STE 204 JOHNSTOWN, PA 15901 | SYMETRA LIFE INSURANCE COMPANY | $7K | — | $7K | 10.79% |
| WERNER, DANIEL B3 | 2465 WENDRICK COURT WEST BLOOMFIELD, MI 48323 | SYMETRA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER & CO | 2850 GOLF RD 5TH FLR ROLLING MEADOWS, IL 60008 | SYMETRA LIFE INSURANCE COMPANY | — | $611 | $611 | 0.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STARMOUNT LIFE INSURANCE COMPANY | $4K | — | $4K | 7.50% |
| WERNER, DANIEL B3 | 2465 WENDRICK COURT WEST BLOOMFIELD, MI 48323 | STARMOUNT LIFE INSURANCE COMPANY | $1K | — | $1K | 2.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | STARMOUNT LIFE INSURANCE COMPANY | — | $549 | $549 | 0.94% |
| NAPCO INC3 | 30301 NORTHWESTERN HIGHWAY STE 200 FARMINGTON HILLS, MI 48334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| NAPCO INC3 | 30301 NORTHWESTERN HIGHWAY STE 200 FARMINGTON HILLS, MI 48334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $44 | — | $44 | 14.97% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 141 | 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 | 223 | $916K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 140 | $59K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 223 | $627K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 172 | $64K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 172 | $64K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 172 | $64K |
| Prescription drug | EMPLOYEE HEALTH INSURANCE MANAGEMENT INC | 135 | $103K |
| Other(3 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 172 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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."
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.