| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH RD., STE 408 BINGHAM FARMS, MI 48025 | BLUE CARE NETWORK OF MICHIGAN | $19K | — | $19K | 1.34% |
| GARY M. MIKLOSOVIC3 Filed as: GARY M MIKLOSOVIC | 30150 TELEGRAPH , STE 408 BINGHAM FARMS, MI 48025 | BLUECROSS BLUESHIELD OF MICHIGAN | $8K | — | $8K | 6.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH RD, STE 408 BINGHAM FARMS, MI 48025 | LINCOLN NATIONAL LIFE INS CO | $8K | — | $8K | 6.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2 PIERCE PL ITASCA, IL 60143 | LINCOLN NATIONAL LIFE INS CO | — | $508 | $508 | 0.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PLACE ITASCA, IL 60143 | NGL | $753 | — | $753 | 5.00% |
| JILL FEENEY4 | 6933 DUBLIN FAIR RD TROY, MI 48098 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $2K | — | $2K | 31.36% |
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 | 329 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 409 | $1.4M |
| Dental | BLUECROSS BLUESHIELD OF MICHIGAN | 455 | $133K |
| Vision | NGL | 360 | $15K |
| Life insurance | LINCOLN NATIONAL LIFE INS CO | 331 | $114K |
| Short-term disability | LINCOLN NATIONAL LIFE INS CO | 331 | $114K |
| Long-term disability | LINCOLN NATIONAL LIFE INS CO | 331 | $114K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INS CO | 331 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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."
No prospect flags tripped on this filing.