| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVEN M SMITH3 | 26255 AMERICAN DR SOUTHFIELD, MI 48034 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $10K | — | $10K | 4.09% |
| MEADOWBROOK INC3 Filed as: MEADOWBROOK, INC. | 26255 AMERICAN DRIVE SOUTHFIELD, MI 480346112 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $8K | $8K | 2.96% |
| MEADOWBROOK INC3 | 26255 AMERICAN DR SOUTHFIELD, MI 48034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $6K | $14K | 7.65% |
| 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 | $11K | — | $11K | 5.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 736 S STONE AVE LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 2.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | $5K | $335 | $6K | 7.39% |
| GOULD AND ACCOCIATES, INC,3 Filed as: GOULD AND ASSOCIATES, INC | 8105 GINGKO WAY DEXTER, MI 48130 | UNUM INSURANCE COMPANY | $2K | — | $2K | 2.57% |
| SUPPLEMENTAL BENEFITS EXCHANGE3 | 550 FOREST AVE SUITE 15-2 PLYMOUTH, MI 48170 | UNUM INSURANCE COMPANY | $2K | — | $2K | 2.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 8.48% |
| SUPPLEMENTAL BENEFITS EXCHANGE3 Filed as: SUPPLEMENTAL BENEFITS EXCHANGE AGEN | 5500 FOREST AVE SUITE 15-2 PLYMOUTH, MI 48170 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 6.16% |
| GOULD AND ACCOCIATES, INC,3 | 8105 GINGKO WAY DEXTER, MI 48130 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $565 | — | $565 | 2.00% |
| THORNHILL, LLC3 | 14237 HOP CLOVER TRL PARKER, CO 80134 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 0.21% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 6650 METAIRIE, TN 70009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 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 | 434 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 435 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 289 | $255K |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 289 | $255K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 289 | $255K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 396 | $207K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 396 | $179K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 396 | $179K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 289 | $255K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 289 | $255K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 396 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.