| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLEY A. DEMIRYAN3 | 30150 TELEGRAPH RD. #408 BINGHAM FARMS, MI 480255708 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | — | $8K | 4.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH RD. #408 BINGHAM FARMS, MI 480255708 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.73% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | $2K | $32K | 22.51% |
| GALLAGHER BENEFIT SERVICES, INC.1 Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $198 | $2K | 16.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KELLEY A. DEMIRYAN INSURANCE AGENT | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees; Non-monetary compensation Service code 22 | 30150 TELEGRAPH RD. 408 BINGHAM FARMS, MI 480255708 | $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 | 444 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 444 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 425 | $166K |
| Vision | EYEMED VISION CARE | 444 | $25K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 324 | $159K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 324 | $144K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 425 | $166K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 324 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 444 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.