| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NANCY J. SNELL3 | 2600 S. TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CARE NETWORK OF MICHIGAN | $31K | — | $31K | 4.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2600 S. TELEGRAPH STE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.17% |
| NANCY J. SNELL3 | 2600 S. TELEGRAPH RD, STE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $23K | — | $23K | 5.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES (BF) | 2600 S. TELEGRAPH RD., STE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $248 | $248 | 0.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD ROLLNG MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $763 | $763 | 0.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 5.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | RELIASTAR LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | RELIASTAR LIFE INSURANCE COMPANY | $334 | — | $334 | 2.45% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | NATIONAL VISION ADMINISTRATORS LLC | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NANCY J. SNELL 3 | Insurance brokerage commissions and fees; Other fees; Other commissions; Insurance agents and brokers; Non-monetary compensation Service code 22 | 2600 S. TELELGRAPH RD, SUITE 100 BLOOMFIELD HILLS, MI 48302 | $0 |
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 | 100 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 122 | $1.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 183 | $79K |
| Vision | NATIONAL VISION ADMINISTRATORS LLC | 567 | $0 |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $135K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $135K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 134 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 567 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.