| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TERESA BRYNER3 | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CARE NETWORK OF MICHIGAN | $18K | $0 | $18K | 2.62% |
| BETHANY L. PAGNANI3 | 2600 SOUTH TELEGRAPH ROAD BLOOMFIELD, MI 48302 | BLUE CARE NETWORK OF MICHIGAN | $10K | $0 | $10K | 1.50% |
| GREGORY BROGAN3 | 320 WEST LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | $6K | $0 | $6K | 0.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 SOUTH TELEGRAPH ROAD BLOOMFIELD, MI 48302 | BLUE CARE NETWORK OF MICHIGAN | $0 | $973 | $973 | 0.14% |
| TERESA BRYNER3 | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | $0 | $4K | 2.77% |
| BETHANY L. PAGNANI3 | 2600 SOUTH TELEGRAPH ROAD BLOOMFIELD, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | $0 | $2K | 1.24% |
| GREGORY BROGAN3 | 320 WEST LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $1K | $0 | $1K | 0.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 SOUTH TELEGRAPH ROAD BLOOMFIELD, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $157 | $157 | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $1K | $8K | 13.68% |
| MS BENEFITS3 | 100 CHALLENGER ROAD, SUITE 400 RIDGEFIELD PARK, NJ 07660 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $3K | $0 | $3K | 5.90% |
| BROGAN INSURANCE3 | 320 WEST LAKE LANSING ROAD EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $275 | $0 | $275 | 0.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 SOUTH TELEGRAPH ROAD BLOOMFIELD, MI 48302 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 10.75% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 119 | $815K |
| Dental | DELTA DENTAL OF MICHIGAN | 155 | $52K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 149 | $10K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 118 | $59K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 118 | $59K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 118 | $59K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 119 | $815K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 118 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.