| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NICHOLAS K KAMAI3 | 30150 TELEGRAPH RD STE 408 BINGHAM FARM, MI 48025 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $35K | — | $35K | 2.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH RD STE 408 BINGHAM FARM, MI 48025 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 0.10% |
| NICHOLAS K KAMAI3 | 30150 TELEGRAPH STE 408 BINGHAM FARMS, MI 48025 | BLUE CARE NETWORK OF MICHIGAN | $9K | — | $9K | 1.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SRVCS | 30150 TELEGRAPH RD STE 408 BINGHAM FARMS, MI 48025 | BLUE CARE NETWORK OF MICHIGAN | — | $509 | $509 | 0.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVISES INC | 12750 MERIT DR SUITE 1000 DALLAS, TX 75251 | GUARDIAN | $16K | $4K | $20K | 7.02% |
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 | 199 | 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) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 224 | $2.1M |
| Dental | GUARDIAN | 199 | $291K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 224 | $2.1M |
| Life insurance | GUARDIAN | 199 | $291K |
| Short-term disability | GUARDIAN | 199 | $291K |
| Long-term disability | GUARDIAN | 199 | $291K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 97 | $546K |
| Other | GUARDIAN | 199 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.