| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF RD 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | $11K | $39K | 6.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $10K | — | $10K | 3.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $4 | $13K | 16.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.60% |
| GRIFFIN, STEVEN, RAY3 | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $54 | — | $54 | 0.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | NATIONAL VISION ADMINISTRATORS, LLC | $5K | — | $5K | 10.00% |
| CHRISTOPHER GRAHAM3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $23K | $87K | $110K | — |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: SHELBY BROWN | 2600 S TELEGRAPH RD BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | $36K | $38K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALAGHER BENEFIT SERVICES INC. | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $6K | $6K | — |
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 | 802 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 802 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 787 | $0 |
| Dental | DELTA DENTAL OF MICHIGAN | 754 | $264K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 692 | $51K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 739 | $605K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 739 | $605K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 739 | $605K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 787 | $0 |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 787 | $0 |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 739 | $684K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 787 | — |
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."
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.