| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH ROAD, STE 408 BINGHAM FARMS, MI 48025 | BLUE CARE NETWORK OF MICHIGAN | — | — | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICE | 30150 TELEGRAPH ST. 408 BINGHAM FARMS, MI 48025 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICE | 30150 TELEGRAPH STE 408 BINGHAM FARMS, MI 48025 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 14.76% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PL FL 14 ITASCA, IL 60143 | RELIASTAR LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERIVCE | 30150 TELEGRAPH ROAD STE 408 BINGHAM FARMS, MI 48025 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $420 | — | $420 | 15.01% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERIVCES, INC. | 2 PIERCE PLACE ITASCA, IL 60143 | NATIONAL VISION ADMINISTRATORS LLC | $4K | $44K | $49K | — |
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 | 258 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CARE NETWORK OF MICHIGAN | 258 | $1.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 289 | $134K |
| Vision | NATIONAL VISION ADMINISTRATORS LLC | 681 | $0 |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 195 | $47K |
| Short-term disability | CIGNA INSURANCE GROUP | 194 | $74K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 160 | $63K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 258 | $1.1M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 227 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 681 | — |
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.