| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERIC T. HAMMILL3 Filed as: ERIC T HAMMILL | 30150 TELEGRAPH RD, STE 408 BINGHAM FARMS, MI 48025 | BLUE CARE NETWORK OF MICHIGAN | $13K | — | $13K | 4.08% |
| ACTION BENEFITS COMPANY3 Filed as: ACTION BENEFITS CO. | 26533 EVERGREEN RD, STE. 400 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $3K | — | $3K | 0.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH RD, STE 408 BINGHAM FARMS, MI 48025 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE, INC. | 2850 GOLF RD, STE 1000 ROLLING MEADOWS, IL 60008 | TOTAL HEALTH CARE USA, INC. | $12K | — | $12K | 4.58% |
| HAMMILL, ERIC T3 Filed as: E HAMMILL | 30150 TELEGRAPH RD, STE 408 BINGHAM FARMS, MI 48025 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | — | $5K | 4.45% |
| 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 | — | $144 | $144 | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE, INC. | 2850 GOLF RD., STE 1000 ROLLING MEADOWS, IL 60008 | TOTAL HEALTH CARE USA, INC. | $4K | — | $4K | 4.17% |
| ERIC T. HAMMILL3 Filed as: ERIC T HAMMILL | 30150 TELEGRAPH RD # 408 BINGHAM FARMS, MI 48025 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 9.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH RD, STE 408 BINGHAM FARMS, MI 48025 | GUARDIAN | $2K | — | $2K | 10.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | GUARDIAN | $472 | $1K | $2K | 9.74% |
| LUCIDO MORRIS ASSOCIATES, LLC3 | 24255 W 13 MILE RD, STE 250 BINGHAM FARMS, MI 48025 | GUARDIAN | $36 | — | $36 | 0.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: AJ GALLAGHER & CO | 30150 TELEGRAPH RD, STE 408 BINGHAM FARMS, MI 48025 | METROPOLITAN LIFE INSURANCE CO | $1K | $191 | $2K | 11.57% |
| MMA SERVICE CORP3 | 620 S CAPITOL AVE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE CO | — | $683 | $683 | 4.75% |
| ERIC T. HAMMILL3 Filed as: ERIC HAMMILL | 30150 TELEGRAPH RD, STE 408 BINGHAM FARMS, MI 48025 | AMFIRST | $1K | — | $1K | 10.00% |
| JOHN KELLY3 | 4768 PARVIEW DR CLARKSTON, MI 48346 | AMFIRST | $886 | — | $886 | 8.11% |
| MWL3 | PO BOX 14067 JACKSON, MS 39236 | AMFIRST | $546 | — | $546 | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: AJ GALLAGHER & CO | 30150 TELEGRAPH RD, STE 408 BINGHAM FARMS, MI 48025 | METROPOLITAN LIFE INSURANCE CO | $621 | $80 | $701 | 11.44% |
| MMA SERVICE CORP3 | 620 S CAPITOL AVE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE CO | — | $291 | $291 | 4.75% |
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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 60 | $806K |
| Dental | DELTA DENTAL OF MICHIGAN | 148 | $49K |
| Vision(2 contracts) | TOTAL HEALTH CARE USA, INC. | 60 | $363K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE CO | 110 | $20K |
| Long-term disability | GUARDIAN | 21 | $18K |
| Prescription drug(4 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 60 | $806K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE CO | 110 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.