| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 606945287 | METROPOLITAN LIFE INSURANCE COMPANY | $231K | $412K | $643K | 10.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 BENEFIT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | 59259 VAN DYKE RD WASHINGTON, MI 48094 | $229K |
| EVERNORTH CARE SOLUTIONS, INC. EIN 86-1465626 BENEFIT ADMINISTRATOR | Direct payment from the plan; Participant communication; Contract Administrator; Claims processing Service code 12 | 1 EXPRESS WAY ST. LOUIS, MO 63121 | $117K |
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 | 6,560 | 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) | 6,560 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 11,768 | $72.2M |
| Vision | VISION SERVICE PLAN | 5,033 | $1.8M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 6,560 | $6.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,560 | $6.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,560 | $6.1M |
| Prescription drug | PRIORITY HEALTH | 11,768 | $72.2M |
| Other(3 contracts, 3 carriers) | PRIORITY HEALTH | 11,768 | $78.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,768 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.