| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | — | $18K | 10.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS NAT'L INCENT | 736 S STONE AVE LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $11K | $11K | 6.51% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $9K | $9K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | $4K | $681 | $5K | 7.41% |
| GOULD AND ACCOCIATES, INC,3 Filed as: GOULD AND ASSOCIATES, INC | 8105 GINGKO WAY DEXTER, MI 48130 | UNUM INSURANCE COMPANY | $2K | — | $2K | 2.97% |
| SUPPLEMENTAL BENEFITS EXCHANGE3 | 550 FOREST AVE SUITE 15-2 PLYMOUTH, MI 48170 | UNUM INSURANCE COMPANY | $221 | — | $221 | 0.32% |
| STEVEN M SMITH3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 49546 | BLUE CARE NETWORK OF MICHIGAN | $3K | — | $3K | 7.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SRVCS | 2850 GOLF RD ROLLING MEADOWN, IL 600080008 | BLUE CARE NETWORK OF MICHIGAN | — | $205 | $205 | 0.56% |
| STEVEN M SMITH3 | 26255 AMERICAN DR SOUTHFIELD, MI 48034 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $11K | — | $11K | 33.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLD RD ROLLING MEADOWS, IL 600080008 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $7K | $7K | 21.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $21 | $1K | 6.10% |
| GOULD AND ACCOCIATES, INC,3 | 8105 GINGKO WAY DEXTER, MI 48130 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $936 | — | $936 | 4.02% |
| SUPPLEMENTAL BENEFITS EXCHANGE3 Filed as: SUPPLEMENTAL BENEFITS EXCHANGE AGEN | 5500 FOREST AVE SUITE 15-2 PLYMOUTH, MI 48170 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $391 | — | $391 | 1.68% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 6650 METAIRIE, TN 70009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.20% |
| THORNHILL, LLC3 | 14237 HOP CLOVER TRL PARKER, CO 80134 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.17% |
| THORNHILL, LLC3 | 4899 HARNESS COURT PARKER, CO 30134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3 | — | $3 | 1.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2 | — | $2 | 0.94% |
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 | 413 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 82 | $36K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 554 | $31K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 445 | $197K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 445 | $174K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 445 | $174K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 82 | $36K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 445 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 554 | — |
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.