| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIEL P BROOKS3 | 30150 TELEGRAPH STE 408 BINGHAM FARMS, MI 480255708 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $24K | — | $24K | 1.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 30150 TELEGRAPH STE 408 BINGHAM FARMS, MI 480254545 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 0.12% |
| DANIEL P BROOKS3 | 30150 TELEGRAPH STE 408 BINGHAM FARMS, MI 480255708 | BLUE CARE NETWORK OF MICHIGAN | $11K | $0 | $11K | 1.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENETFITS SERVICES | 30150 TELEGRAPH STE 408 BINGHAM FARMS, MI 480254545 | BLUE CARE NETWORK OF MICHIGAN | — | $816 | $816 | 0.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 2850 GOLF RD FI 4 ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $4K | $241 | $4K | 2.97% |
| GORDON CANN RAINS3 Filed as: GORDON C RAINS AND ASSOCIATES INC | 30150 TELEGRAPH STE 408 BINGHAM FARMS, MI 48025 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.97% |
| GORDON CANN RAINS3 Filed as: GORDON C RAINS AND ASSOCIATES INC | 30150 TELEGRAPH STE 408 BINGHAM FARMS, MI 48025 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 11.99% |
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 | 224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 226 | 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 | 243 | $1.9M |
| Dental | DELTA DENTAL OF MICHIGAN | 437 | $135K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $59K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $63K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 243 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 437 | — |
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.