| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B. ST. FL. 6 SAN DIEGO, CA 921018156 | VISION SERVICE PLAN | $41K | — | $41K | 3.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH RD. STE. 408 BINGHAM FARMS, MI 48025 | VISION SERVICE PLAN | $14K | — | $14K | 1.28% |
| PAULA HOWARD | 1400 EAST MICHIGAN AVE LANSING, MI 48912 | PHP SERVICE COMPANY | $8K | — | $8K | — |
| PAULA HOWARD3 | 1400 E. MICHIGAN AVE. LANSING, MI 48912 | PHP SERVICE COMPANY | $105 | — | $105 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Insurance services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Direct payment from the plan; Contract Administrator; Float revenue; Other fees; Non-monetary compensation; Claims processing Service code 12 | — | $930K |
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 | 8,134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 219 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 8,353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | PHP SERVICE COMPANY | 12,132 | $0 |
| Dental | MIDWESTERN DENTAL PLANS, INC. | 813 | $157K |
| Vision | VISION SERVICE PLAN | 5,943 | $1.1M |
| Prescription drug(2 contracts) | PHP SERVICE COMPANY | 12,132 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,132 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.