| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TERESA BRYNER3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $17K | — | $17K | 2.11% |
| GALLAGHER BENEFIT SERVICES, INC.4 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 480255708 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $224 | $224 | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 480255708 | BLUE CARE NETWORK OF MICHIGAN | $16K | — | $16K | 1.94% |
| GALLAGHER BENEFIT SERVICES, INC.6 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 480255708 | METLIFE | $3K | $64 | $3K | 3.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE ITASCA, IL 60143 | METLIFE | — | $1K | $1K | 1.44% |
| WIKLUND & BOND FINANCIAL SERVICES3 | 3069 UNIVERSITY DRIVE, #200 AUBURN HILLS, MI 48326 | METLIFE | $66 | — | $66 | 0.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 480255708 | BLUE CARE NETWORK OF MICHIGAN | $991 | — | $991 | 2.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.28% |
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 | 251 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 170 | $1.7M |
| Dental | METLIFE | 400 | $104K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 204 | $15K |
| Prescription drug(3 contracts) | BLUE CARE NETWORK OF MICHIGAN | 170 | $869K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 204 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.