| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD STE 400 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $24K | — | $24K | 4.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH RD STE 408 BINGHAM FARMS, MI 48025 | BLUE CARE NETWORK OF MICHIGAN | — | $610 | $610 | 0.11% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY | PO BOX 1801 ADRIAN, MI 49221 | BLUE CARE NETWORK OF MICHIGAN | — | $37 | $37 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH RD STE 408 BINGHAM FARMS, MI 48025 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $19K | — | $19K | 4.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLD ROAD GBS FINANCE 4TH FL ROLLING MEADOWS, IL 60008 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $374 | $374 | 0.09% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY INC | PO BOX 1801 ADRIAN, MI 49221 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $23 | $23 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 30150 TELGRAPH RD STE 408 BINGHAM FARMS, MI 48025 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $5K | 19.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 30150 TELEGRAPH RD STE 408 BINGHAM FARMS, MI 48025 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $949 | $464 | $1K | 14.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 30150 TELEGRAPH RD STE 408 BINGHAM FARMS, MI 48025 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $364 | $2K | 19.02% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 102 | $981K |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 156 | $57K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 156 | $57K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 135 | $25K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 136 | $9K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 102 | $981K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 135 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.