| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF RD FL 4 ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $14K | — | $14K | 2.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 30150 TELEGRAPH RD SUITE 408 BINGHAM FARMS, MI 48025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SVCS INC | 30150 TELEGRAPH RD SUITE 408 BINGHAM FARMS, MI 48025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 30150 TELEGRAPH RD SUITE 408 BINGHAM FARMS, MI 48025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 7.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SVCS INC | 30150 TELEGRAPH RD SUITE 408 BINGHAM FARMS, MI 48025 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 9.40% |
| FOX INSURANCE AGENCY LLC3 | 200 OTTAWA AVE NW SUITE 403 GRAND RAPIDS, MI 49503 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Other fees; Float revenue; Claims processing; Contract Administrator; Insurance services; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 12 | — | $357K |
| BETH W. WIERENGA AGENT/BROKER | Non-monetary compensation; Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees; Other fees Service code 22 | 300 OTTAWA NW, SUITE 301 GRAND RAPIDS, MI 495032336 | $0 |
| GALLAGHER BENEFITS SERVICES AGENT/BROKER | Other commissions; Non-monetary compensation; Insurance brokerage commissions and fees; Other fees; Insurance agents and brokers Service code 22 | 30150 TELEGRAPH RD STE 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 | 659 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 673 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 1,273 | $514K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,242 | $44K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 611 | $188K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 589 | $65K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 611 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,273 | — |
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.