| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TERESA BRYNER | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | BLUE CARE NETWORK OF MICHIGAN | $22K | — | $22K | 2.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 480255708 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.12% |
| TERESA BRYNER3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $12K | — | $12K | 2.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $395 | $395 | 0.07% |
| GALLAGHER BENEFIT SERVICES, INC.4 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 480255708 | METLIFE | $3K | $75 | $3K | 2.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METLIFE | — | $1K | $1K | 1.19% |
| WIKLUND & BOND FINANCIAL SERVICES | 3069 UNIVERSITY DRIVE, SUITE 200 AUBURN HILLS, MI 48326 | METLIFE | $159 | — | $159 | 0.14% |
| GALLAGHER BENEFIT SERVICES, INC. | 100 MATSONFORD ROAD RADNOR, PA 19087 | METLIFE | — | $13 | $13 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | EYEMED | $2K | — | $2K | 9.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE, 2ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 20.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE, 2ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 12.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $205 | — | $205 | 1.25% |
| WIKLUND & BOND FINANCIAL SERVICES4 | 3069 UNIVERSITY DRIVE, SUITE 200 AUBURN HILLS, MI 48326 | PROVIDENT LIFE & ACCIDENT | $14 | — | $14 | 2.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GALLAGHER BENEFIT SERVICES LLC | Insurance agents and brokers Service code 22 | 30150 TELEGRAPH ROAD BINGHAM FARMS, MI 48025 | $0 |
| TERESA L. BRYNER | Non-monetary compensation; Insurance brokerage commissions and fees; Other commissions; Other fees; Insurance agents and brokers Service code 22 | 30150 TELEGRAPH ROAD BINGHAM FARMS, MI 48025 | $0 |
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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 229 | $1.7M |
| Dental | METLIFE | 455 | $116K |
| Vision | EYEMED | 254 | $21K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 225 | $17K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 229 | $1.7M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 225 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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.