| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BETHANY L. PAGNANI3 | 2600 S. TELEGRAPH BLOOMFIELD HILLS, MI 48302 | BLUE CARE NETWORK OF MICHIGAN | $83K | — | $83K | 2.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD ROLLING MEADOWS, IL 600080008 | BLUE CARE NETWORK OF MICHIGAN | — | $3K | $3K | 0.10% |
| BETHANY L. PAGNANI3 | 2600 S. TELEGRAPH BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $20K | — | $20K | 2.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD ROLLING MEADOWS, IL 600080008 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $689 | $689 | 0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $11K | — | $11K | 4.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S. TELEGRAPH BLOOMFIELD HILLS, MI 483020003 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S. TELEGRAPH BLOOMFIELD HILLS, MI 483020003 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $821 | $821 | 1.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S. TELEGRAPH BLOOMFIELD HILLS, MI 483020003 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $530 | $530 | 1.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S. TELEGRAPH BLOOMFIELD HILLS, MI 48302 | EYEMED | $4K | — | $4K | 11.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S. TELEGRAPH BLOOMFIELD HILLS, MI 483020003 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $422 | $422 | 1.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S. TELEGRAPH BLOOMFIELD HILLS, MI 483020003 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 24.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $86 | $86 | 1.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S. TELEGRAPH BLOOMFIELD HILLS, MI 483020003 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 25.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $90 | $90 | 1.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S. TELEGRAPH BLOOMFIELD HILLS, MI 483020003 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 24.99% |
| GALLAGHER BENEFIT SERVICES, INC.4 | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $80 | $80 | 1.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $542 | — | $542 | 19.99% |
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 | 465 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 85 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 555 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 401 | $3.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 520 | $244K |
| Vision | EYEMED | 451 | $35K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 468 | $79K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 28 | $12K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 73 | $35K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 401 | $3.5M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 468 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 520 | — |
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."
No prospect flags tripped on this filing.