| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES (BF) | 2600 S TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $202K | — | $202K | 2.43% |
| GALLAGHER BENEFIT SERVICES, INC. | 2600 S TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 48302 | SELECT HEALTH INSURANCE COMPANY | $85K | — | $85K | 1.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 48302 | UNUM INSURANCE COMPANY | $33K | — | $33K | 15.00% |
| BSC AGENCY LLC3 Filed as: BSC AGENCY, LLC | 1025 ASHWORTH ROAD SUITE 101 WEST DES MOINES, IA 80265 | UNUM INSURANCE COMPANY | $7K | — | $7K | 3.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2600 S TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 48302 | UNUM INSURANCE COMPANY | $76K | — | $76K | 38.11% |
| BSC AGENCY LLC3 Filed as: BSC AGENCY, LLC | 1025 ASHWORTH ROAD SUITE 101 WEST DES MOINES, IA 50265 | UNUM INSURANCE COMPANY | $5K | — | $5K | 2.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 48302 | NATIONAL VISION ADMINISTRATORS | $5K | — | $5K | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FIDELITY INVESTMENTS EIN 04-2647786 | Claims processing Service code 12 | PO BOX 73307 CHICAGO, IL 60673 | $23K |
| UNUM INSURANCE COMPANY EIN 04-2381280 | Insurance brokerage commissions and fees; Insurance agents and brokers; Non-monetary compensation; Other commissions Service code 22 | 1 FOUNTAIN SQUARE CHATTANOOGA, TN 60673 | $12K |
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 | 1,999 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,999 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,122 | $16.3M |
| Vision | NATIONAL VISION ADMINISTRATORS | 1,503 | $151K |
| Other(3 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 1,999 | $509K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,999 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.