| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY M. MIKLOSOVIC3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | BLUE CARE NETWORK OF MICHIGAN | $48K | — | $48K | 2.48% |
| NICHOLAS K KAMAI3 | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 483028302 | BLUE CARE NETWORK OF MICHIGAN | $9K | — | $9K | 0.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SRVCS (BF) | 2600 S TELEGRAPH STE 100 BLOOMFIELD HILLS, MI 483028302 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.08% |
| GARY M. MIKLOSOVIC3 Filed as: GARY M MIKLOSOVIC | 2600 S. TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $43K | — | $43K | 2.36% |
| NICHOLAS K KAMAI3 | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | — | $8K | 0.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2600 S TELEGRAPH STE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $3K | $3K | 0.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 NORTH 4TH AVENUE ANN ARBOR, MI 48104 | KAISER FOUNDATION HEALTH PLAN INC | $13K | — | $13K | 2.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | METROPOLITAN LIFE INSURANCE COMPANY | $75K | $63 | $75K | 18.39% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $7K | $33K | 7.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 1.59% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 10 SOUTH RIVERSIDE PLAZA SUITE 1100 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 1.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | — | $21 | $21 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $30K | — | $30K | 9.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 100 MERIDIAN CENTRE BLVD, SUITE 100 ROCHESTER, NY 14618 | EXCELLUS BLUE CROSS BLUE SHIELD | $9K | — | $9K | 3.34% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 71A MONROE AVENUE PITTSFORD, NY 14534 | EXCELLUS BLUE CROSS BLUE SHIELD | $2K | — | $2K | 0.66% |
| EMPLOYEE BENEFIT MANAGEMENT CORP3 Filed as: EMPLOYEE BENEFIT MANAGEMENT LLC | UNKNOWN ANN ARBOR, MI 48108 | HEALTH PLAN OF NEVADA | $17K | — | $17K | 7.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 8.06% |
| MARK METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $997 | $409 | $1K | 9.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $563 | $86 | $649 | 4.15% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | METROPOLITAN LIFE INSURANCE COMPANY | — | $99 | $99 | 0.63% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 10 SOUTH RIVERSIDE PLAZA SUITE 1100 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | — | $80 | $80 | 0.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, IL 48302 | METROPOLITAN LIFE INSURANCE COMPANY | — | $63 | $63 | 0.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $54 | $54 | 0.35% |
| MARK METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $431 | $2K | 16.96% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $542 | $64 | $606 | 5.13% |
| AON CONSULTING INC3 Filed as: BSWIFT, LLC | 10 S. RIVERSIDE PLZ STE 1100 CHICAGO, IL 606063708 | METROPOLITAN LIFE INSURANCE COMPANY | — | $134 | $134 | 1.13% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH ST HAMMONTON, NJ 08037 | METROPOLITAN LIFE INSURANCE COMPANY | — | $102 | $102 | 0.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 48302 | METROPOLITAN LIFE INSURANCE COMPANY | — | $63 | $63 | 0.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | — | $40 | $40 | 0.34% |
| MARK METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $284 | $1K | 14.40% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $366 | $42 | $408 | 4.25% |
| AON CONSULTING INC3 Filed as: BSWIFT, LLC | 10 S. RIVERSIDE PLZ STE 1100 CHICAGO, IL 606063708 | METROPOLITAN LIFE INSURANCE COMPANY | — | $94 | $94 | 0.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 48302 | METROPOLITAN LIFE INSURANCE COMPANY | — | $63 | $63 | 0.66% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH ST HAMMONTON, NJ 08037 | METROPOLITAN LIFE INSURANCE COMPANY | — | $44 | $44 | 0.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | — | $37 | $37 | 0.39% |
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 | 536 | 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) | 536 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | BLUE CARE NETWORK OF MICHIGAN | 440 | $4.7M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 902 | $734K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 354 | $41K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 707 | $408K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 707 | $408K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 707 | $408K |
| Prescription drug(5 contracts, 5 carriers) | BLUE CARE NETWORK OF MICHIGAN | 440 | $4.7M |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 707 | $424K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 902 | — |
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.