| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROXANNA DIETERLE3 | 2600 SOUTH TELEGRAPH ROAD BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $35K | $0 | $35K | 3.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $2K | $12K | 10.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $5K | $0 | $5K | 4.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 OTTAWA AVENUE NW, SUITE 301 GRAND RAPIDS, MI 49503 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 14.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 40 WEST MADISON, 4TH FLOOR CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | $927 | $0 | $927 | 4.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 EAST JACKSON BOULEVARD 14TH FLOOR CHICAGO, IL 60604 | METROPOLITAN LIFE INSURANCE COMPANY | $112 | $0 | $112 | 0.51% |
| MICHIGAN CHAMBER SERVICES, INC.3 | 600 SOUTH WALNUT STREET LANSING, MI 48933 | VISION SERVICE PLAN | $3K | $0 | $3K | 17.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $847 | $0 | $847 | 4.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 OTTAWA AVENUE NW, SUITE 301 GRAND RAPIDS, MI 49503 | ZURICH AMERICAN INSURANCE COMPANY | $244 | $0 | $244 | 14.99% |
| UNKNOWN3 | UNKNOWN CEDAR SPRINGS, MI 49319 | TELADOC HEALTH, INC. | $77 | $0 | $77 | 14.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 OTTAWA AVENUE NW, SUITE 301 GRAND RAPIDS, MI 49503 | GERBER LIFE AND ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 15.28% |
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 | 270 | 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) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 266 | $1.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 278 | $102K |
| Vision | VISION SERVICE PLAN | 117 | $17K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 270 | $134K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 270 | $112K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 270 | $134K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 266 | $1.1M |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 270 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.