| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BETHANY L. PAGNANI | 2600 S. TELEGRAPH BLOOMFIELD HILLS, MI 48302 | BLUE CARE NETWORK OF MICHIGAN | $44K | — | $44K | 1.97% |
| TERESA BRYNER | 2600 S. TELEGRAPH BLOOMFIELD HILLS, MI 48302 | BLUE CARE NETWORK OF MICHIGAN | $22K | — | $22K | 0.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S. TELEGRAPH BLOOMFIELD HILLS, MI 48302 | BLUE CARE NETWORK OF MICHIGAN | — | $3K | $3K | 0.12% |
| BETHANY L. PAGNANI3 | 2600 S. TELEGRAPH BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $15K | — | $15K | 1.86% |
| TERESA BRYNER3 | 2600 S. TELEGRAPH BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $6K | — | $6K | 0.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S. TELEGRAPH BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $457 | $457 | 0.06% |
| GALLAGHER BENEFIT SERVICES, INC. | 2850 W GOLF ROAD ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 2.41% |
| GALLAGHER BENEFIT SERVICES, INC.4 | 2850 W GOLF ROAD ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 2.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.25% |
| PLANSOURCE BENEFIT ADMINISTRATION5 | P.O. BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.00% |
| GALLAGHER BENEFIT SERVICES, INC. | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $976 | $976 | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $567 | $567 | 1.25% |
| PLANSOURCE BENEFIT ADMINISTRATION | P.O. BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $454 | — | $454 | 1.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S. TELEGRAPH BLOOMFIELD HILLS, MI 48302 | EYEMED | $3K | — | $3K | 9.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $916 | — | $916 | 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 | 382 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 271 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 654 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 369 | $3.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 487 | $222K |
| Vision | EYEMED | 416 | $35K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 447 | $123K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 150 | $162K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 369 | $3.1M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 447 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 487 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.