| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BETHANY L. PAGNANI3 | 2600 S. TELEGRAPH BLOOMFIELD HILLS, MI 48302 | BLUE CARE NETWORK OF MICHIGAN | $118K | — | $118K | 4.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S. TELEGRAPH BLOOMFIELD HILLS, MI 48302 | BLUE CARE NETWORK OF MICHIGAN | — | $3K | $3K | 0.11% |
| BETHANY L. PAGNANI3 | 2600 S. TELEGRAPH BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $37K | — | $37K | 4.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S. TELEGRAPH BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $444 | $444 | 0.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF ROAD ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $12K | — | $12K | 4.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 15.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.56% |
| PLANSOURCE BENEFIT ADMINISTRATION5 | P.O. BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S. TELEGRAPH BLOOMFIELD HILLS, MI 48302 | EYEMED | $2K | — | $2K | 5.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $592 | $592 | 1.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $611 | $611 | 1.66% |
| PLANSOURCE BENEFIT ADMINISTRATION5 | P.O. BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $371 | — | $371 | 1.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $690 | — | $690 | 20.00% |
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 | 451 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 271 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 727 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 407 | $3.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 535 | $251K |
| Vision | EYEMED | 453 | $44K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 424 | $75K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 120 | $111K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 407 | $3.1M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 424 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 535 | — |
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.