| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD SUITE 408 BINGHAM FARMS, MI 48025 | DELTA DENTAL OF MICHIGAN | $43K | — | $43K | 0.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD SUITE 408 BINGHAM FARMS, MI 48025 | VISION SERVICE PLAN | $43K | — | $43K | 5.00% |
| PAULA HOWARD3 | PO BOX 30377 LANSING, MI 48909 | PHP SERVICE COMPANY | $8K | $3.5M | $3.6M | — |
| PAULA HOWARD3 | PO BOX 30377 LANSING, MI 48909 | PHP SERVICE COMPANY | $69 | $81K | $81K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Float revenue; Insurance services; Contract Administrator; Other fees; Direct payment from the plan; Claims processing; Non-monetary compensation; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $774K |
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 | 8,236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 215 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 8,451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | PHP SERVICE COMPANY | 12,833 | $0 |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 14,758 | $4.5M |
| Vision | VISION SERVICE PLAN | 6,187 | $867K |
| Prescription drug | PHP SERVICE COMPANY | 12,833 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,758 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.