| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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. | $15K | — | $15K | 5.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH RD STE 408 BINGHAM FARMS, MI 48025 | BLUE CARE NETWORK OF MICHIGAN | $8K | — | $8K | 3.97% |
| ACTION BENEFITS COMPANY3 Filed as: ACTION BENEFITS CO. | 26533 EVERGREEN RD STE. 400 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $2K | — | $2K | 0.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SRVCS ERIC HAMMIL | 30150 TELEGRAPH RD STE 408 BINGHAM FARMS, MI 48025 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | — | $3K | 3.89% |
| PERKINS, KIMBERLY3 | 2600 S TELEGRAPGH STE 100 BLOOMFIELD HILLS, MI 48302 | PRIORITY HEALTH | $3K | — | $3K | 4.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES,INC | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $4K | $54 | $4K | 9.91% |
| MMA SERVICE CORP3 | 620 S CAPITOL AVE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE CO | — | $637 | $637 | 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 | $0 | — | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12750 MERIT DR SUITE 1000 DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 13.00% |
| MMA SERVICE CORP3 | 620 S CAPITOL AVE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE CO | — | $195 | $195 | 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 | $0 | — | $0 | 0.00% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | TOTAL HEALTH CARE USA, INC. | 69 | $642K |
| Dental | DELTA DENTAL OF MICHIGAN | 114 | $41K |
| Vision | TOTAL HEALTH CARE USA, INC. | 69 | $284K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE CO | 95 | $17K |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE CO | 95 | $17K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 10 | $9K |
| Prescription drug(4 contracts, 4 carriers) | TOTAL HEALTH CARE USA, INC. | 69 | $642K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.