| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH RD, STE 408 BINGHAM FARMS, MI 48025 | BLUE CARE NETWORK | $68K | — | $68K | 2.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD, FL 4 ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MI | $20K | — | $20K | 3.21% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE CO | $162K | $27K | $189K | 43.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PLACE ITASCA, IL 60143 | UNUM LIFE INSURANCE CO | $42K | — | $42K | 9.61% |
| MORRIS, CHRISTOPHER, ROBERT3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE CO | $4K | $218 | $4K | 1.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD, 11TH FL ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE CO | — | $4K | $4K | 0.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLGHER BENEFIT SERVICE | 30150 TELEGRAPH, STE 408 BINGHAM FARMS, MI 48025 | LIFE INSURANCE CO OF NORTH AMERICA | $40K | $6K | $46K | 17.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH, STE 408 BINGHAM FARMS, MI 48025 | LIFE INSURANCE CO OF NORTH AMERICA | $38K | $6K | $44K | 17.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH, STE 408 BINGHAM FARMS, MI 48025 | LIFE INSURANCE CO OF NORTH AMERICA | $30K | $4K | $34K | 17.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 30150 TELEGRAPH, STE 408 BINGHAM FARMS, MI 48025 | LIFE INSURANCE CO OF NORTH AMERICA | $6K | $799 | $6K | 17.16% |
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 | 1,826 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,842 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK | 690 | $2.8M |
| Dental | DELTA DENTAL OF MI | 2,485 | $619K |
| Life insurance | LIFE INSURANCE CO OF NORTH AMERICA | 1,812 | $256K |
| Short-term disability | LIFE INSURANCE CO OF NORTH AMERICA | 1,607 | $267K |
| Long-term disability(2 contracts) | LIFE INSURANCE CO OF NORTH AMERICA | 1,607 | $467K |
| Prescription drug | BLUE CARE NETWORK | 690 | $2.8M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE CO | 2,003 | $724K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,485 | — |
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.