| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.5 | 2600 S. TELEGRAPH RD. SUITE 100 BLOOMFIELD HILLS, MI 48302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41K | $0 | $41K | 10.19% |
| GALLAGHER BENEFIT SERVICES, INC.5 | 2850 W. GOLF RD. 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.5 | 2600 S. TELEGRAPH RD. SUITE 100 BLOOMFIELD HILLS, MI 48302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | $0 | $31K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.5 | 2850 W. GOLF RD. 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.5 | 2600 S. TELEGRAPH RD. SUITE 100 BLOOMFIELD HILLS, MI 48302 | UNUM INSURANCE COMPANY | $7K | $0 | $7K | 13.75% |
| GALLAGHER BENEFIT SERVICES, INC.5 | 2850 W. GOLF RD. 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | $0 | $1K | $1K | 2.29% |
| GALLAGHER BENEFIT SERVICES, INC.5 | 2600 S. TELEGRAPH RD. SUITE 100 BLOOMFIELD HILLS, MI 48302 | UNUM INSURANCE COMPANY | $8K | $0 | $8K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.5 | 2850 W. GOLF RD. 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | $0 | $1K | $1K | 2.50% |
| LUBIN SCHWARTZ & GOLDMAN5 Filed as: LUBIN, SCHWARTZ & GOLDMAN INC. | 2600 S. TELEGRAPH RD. SUITE 100 BLOOMFIELD HILLS, MI 48302 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $794 | $0 | $794 | 10.00% |
| GARY S. ROSENBERG3 | 13148 LUDLOW HUNTINGTON WOODS, MI 48070 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $65 | $0 | $65 | 2.54% |
| PARAGON UNDERWRITERS3 | PO BOX 252555 WEST BLOOMFIELD, MI 48325 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $43 | $0 | $43 | 1.68% |
| GALLAGHER BENEFIT SERVICES, INC.5 | 2600 S. TELEGRAPH RD. SUITE 100 BLOOMFIELD HILLS, MI 48302 | FIRST UNUM LIFE INSURANCE COMPANY | $332 | $0 | $332 | 14.99% |
| GALLAGHER BENEFIT SERVICES, INC.5 | 2850 W. GOLF RD. 11TH FLOOR ROLLING MEADOWS, IL 60008 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $28 | $28 | 1.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Direct payment from the plan; Claims processing; Insurance brokerage commissions and fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Insurance agents and brokers; Consulting (general); Insurance services; Contract Administrator; Non-monetary compensation; Other commissions; Float revenue Service code 12 | 600 E. LAFAYETTE ST. DETROIT, MI 48226 | $815K |
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 | 1,006 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,006 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 543 | $399K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 543 | $402K |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 543 | $718K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 543 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.