| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S TELEGRAPH, S-100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $10K | $111K | $121K | 4.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S TELEGRAPH, S-100 BLOOMFIELD HILLS, MI 48302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 7.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $947 | $947 | 0.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S TELEGRAPH, S-100 BLOOMFIELD HILLS, MI 48302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 16.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $745 | $745 | 0.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S TELEGRAPH, S-100 BLOOMFIELD HILLS, MI 48302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 16.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $174 | $174 | 1.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S TELEGRAPH, S-100 BLOOMFIELD HILLS, MI 48302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 21.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $115 | $115 | 1.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S TELEGRAPH, S-100 BLOOMFIELD HILLS, MI 48302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 21.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $129 | $129 | 1.41% |
| MASTER UNUM ENROLL5 Filed as: UNUM LIFE INS. CO OF AMERICA | 1 FOUNTAIN SQUARE CHATTANOOGA, TN 37402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | — |
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 | 209 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 146 | $2.7M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 146 | $2.7M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 146 | $2.7M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 209 | $184K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 209 | $101K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 209 | $101K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 146 | $2.7M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 146 | $2.7M |
| Other(6 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 209 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.