| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY M. MIKLOSOVIC3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $68K | $0 | $68K | 2.69% |
| CHRISTINE BILL3 | PO BOX 1447 LINCOLNSHIRE, IL 60069 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $26K | $0 | $26K | 1.03% |
| JON SNEAD3 Filed as: JON D. SNEAD | 38 COMMERCE SW, SUITE 400 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $14K | $0 | $14K | 0.56% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY INC. | PO BOX 1801 ADRIAN, MI 49221 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $2K | $2K | 0.08% |
| KATHERINE C WOOD3 Filed as: KATHERINE C. WOOD | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | BLUE CROSS BLUE SHIELD OF MICHIGAN | -$2K | $0 | -$2K | -0.07% |
| GARY M. MIKLOSOVIC3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | BLUE CARE NETWORK OF MICHIGAN | $31K | $0 | $31K | 2.67% |
| CHRISTINE BILL3 | PO BOX 1447 LINCOLNSHIRE, IL 60069 | BLUE CARE NETWORK OF MICHIGAN | $8K | $0 | $8K | 0.67% |
| JON SNEAD3 Filed as: JON D. SNEAD | 38 COMMERCE SW, SUITE 400 GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | $3K | $0 | $3K | 0.29% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY INC. | PO BOX 1801 ADRIAN, MI 49221 | BLUE CARE NETWORK OF MICHIGAN | $0 | $2K | $2K | 0.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $54 | $36K | 5.40% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $10K | $35K | 5.27% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $3K | $31K | 4.56% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 10 SOUTH RIVERSIDE PLAZA SUITE 1100 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $14K | $14K | 2.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $11 | $11 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 101 NORTH 4TH AVENUE ANN ARBOR, MI 48104 | KAISER FOUNDATION HEALTH PLAN INC | $17K | $0 | $17K | 4.78% |
| GRANITE BAY BENEFITS & INS. SERVICE3 Filed as: GRANITE BAY BENEFITS AND INS. SVCS. | 9700 VILLAGE CENTER DRIVE SUITE 50B GRANIT BAY, CA 95746 | KAISER FOUNDATION HEALTH PLAN INC | $6K | $0 | $6K | 1.75% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 71A MONROE AVENUE PITTSFORD, NY 14534 | EXCELLUS BLUE CROSS BLUE SHIELD | $5K | $0 | $5K | 2.01% |
| BONDS BENEFITS CONSLULTING LLC3 | 71A MONROE AVENUE PITTSFORD, NY 14534 | EXCELLUS BLUE CROSS BLUE SHIELD | $5K | $0 | $5K | 1.99% |
| EMPLOYEE BENEFIT MANAGEMENT CORP3 Filed as: EMPLOYEE BENEFIT MANAGEMENT LLC | UNKNOWN ANN ARBOR, MI 48108 | HEALTH PLAN OF NEVADA | $6K | $0 | $6K | 3.30% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HEALTH PLAN OF NEVADA | $5K | $0 | $5K | 2.72% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $224 | $13K | 20.59% |
| MARK METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 16.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, IL 48302 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $162 | $5K | 7.45% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $786 | $3K | 4.42% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 10 SOUTH RIVERSIDE PLAZA SUITE 1100 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $147 | $147 | 0.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DELTA | $3K | $0 | $3K | 7.34% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | DELTA | $1K | $0 | $1K | 2.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 11060 WHITE ROCK ROAD RANCHO CORDOVA, CA 95670 | PROMINENCE HEALTH PLAN | $1K | $0 | $1K | 4.67% |
| AON CONSULTING INC3 Filed as: AON CONSULTING AND INS. SERVICES CA | 29840 NETWORK PLACE CHICAGO, CA 60673 | PROMINENCE HEALTH PLAN | $646 | $0 | $646 | 2.33% |
| IVONE G CRUZ3 Filed as: IVONE G. CRUZ | 8725 TECHNOLOGY WAY, SUITE B1 RENO, NV 89521 | AFLAC | $334 | $0 | $334 | 7.79% |
| KEVIN CURTIS3 | 401 RYLAND STREET, SUITE 204 RENO, NV 89502 | AFLAC | $86 | $0 | $86 | 2.01% |
| ERIC LUHMANN3 | 1034 UNIVERSITY RIDGE DRIVE RENO, NV 89512 | AFLAC | $72 | $0 | $72 | 1.68% |
| MJ INSURANCE3 Filed as: JOHN MACIAS JR. AND VARIOUS AGENTS | 950 NORTH UNIVERSITY PARK LOOP RENO, NV 89512 | AFLAC | $66 | $0 | $66 | 1.54% |
| GRACE MARIE DAIDONE3 | 4868 SPARKS BOULEVARD SUITE 100 SPARKS, NV 89436 | AFLAC | $33 | $0 | $33 | 0.77% |
| HELEN MENDEZ3 Filed as: HELEN L. MENDEZ | 534 BRIGHTWATER STREET HENDERSON, NV 89521 | AFLAC | $25 | $0 | $25 | 0.58% |
| CAMBRIA WILLIAMS3 | 748 SOUTH MEADOWS PARKWAY SUITE A9-315 RENO, NV 89521 | AFLAC | $18 | $0 | $18 | 0.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | VISION SERVICE PLAN | $465 | $0 | $465 | — |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $165 | $0 | $165 | — |
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 | 393 | 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) | 393 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 444 | $4.5M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 923 | $707K |
| Vision(2 contracts, 2 carriers) | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 329 | $34K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 923 | $669K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 923 | $669K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 923 | $669K |
| Prescription drug(6 contracts, 6 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 444 | $4.5M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 923 | $736K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 923 | — |
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.