| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTOPHER GRAHAM ERVASTI3 Filed as: CHRISTOPHER ERVASTI | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CARE NETWORK OF MICHIGAN | $135K | — | $135K | 3.26% |
| STEVEN HARDIN3 | 901 WILSHIRE DR TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $49K | — | $49K | 1.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | BLUE CARE NETWORK OF MICHIGAN | $5K | — | $5K | 0.13% |
| CHRISTOPHER GRAHAM ERVASTI3 Filed as: CHRISTOPHER ERVASTI | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $63K | — | $63K | 3.57% |
| STEVEN HARDIN3 | 901 WILSHIRE DR, SUITE 330 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $29K | — | $29K | 1.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 0.10% |
| CHRISTOPHER GRAHAM ERVASTI3 Filed as: CHRISTOPHER ERVASTI | 2850 GOLF ROAD, 4TH FLOOR ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $15K | — | $15K | 3.81% |
| DAVID N SOKOL3 Filed as: DAVID SOKOL | 901 WILSHIRE DR WUITE 330 TROY, MI 48084 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 1.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2600 S TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 48302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $47K | — | $47K | 18.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 W GOLF RD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 1.56% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP | 901 WILSHIRE DR SUITE 330 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $815 | — | $815 | 0.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF RD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 2.02% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP | 901 WILSHIRE DR, SUITE 330 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $889 | $2K | 1.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 10.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 901 WILSHIRE DR, SUITE 330 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 W GOLF RD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2600 S TELEGRAPH SUITE 100 BLOMFIELD HILLS, MI 48302 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $36K | — | $36K | 37.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 W GOLF RD ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $4K | $4K | 4.49% |
| STEVEN RAY GRIFFIN3 Filed as: STEVEN GRIFFIN | 2000 MORRIS AVE SUITE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $255 | — | $255 | 0.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | NGL | $4K | — | $4K | 6.01% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP | 901 WILSHIRE DR TROY, MI 48084 | NGL | $2K | — | $2K | 2.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6.6M | — | $6.6M | 18205.70% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP | 901 WILSHIRE DR SUITE 330 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $790 | $245 | $1K | 2.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 2850 W GOLF RD ARLINGTON HEIGHTS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $656 | $656 | 1.82% |
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 | 1,048 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,050 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 775 | $5.9M |
| Dental | DELTA DENTAL OF MICHIGAN | 1,071 | $385K |
| Vision | NGL | 917 | $68K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 703 | $236K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 703 | $223K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 271 | $187K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 775 | $5.9M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 894 | $394K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,071 | — |
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.