| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KIMBERLY PERKINS3 | 2600 S TELEGRAPH STE 100 BLOOMFIELD HILLS, MI 483028302 | BLUE CARE NETWORK OF MICHIGAN | $12K | — | $12K | 1.94% |
| NICHOLAS K KAMAI3 | 2600 S TELEGRAPH STE 100 BLOOMFIELD HILLS, MI 483028302 | BLUE CARE NETWORK OF MICHIGAN | $3K | — | $3K | 0.42% |
| KATHLEEN BURNS3 | 1414 W. JACKSON BLVD SUITE 100 CHICAGO, IL 60607 | BLUE CARE NETWORK OF MICHIGAN | $1K | — | $1K | 0.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SRVCS (BF) | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.19% |
| KIMBERLY PERKINS3 | 2600 S TELEGRAPH STE 100 BLOOMFIELD HILLS, MI 483028302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $11K | — | $11K | 1.84% |
| KATHLEEN BURNS3 | 1414 W. JACKSON BLVD SUITE 100 CHICAGO, IL 60607 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 0.32% |
| NICHOLAS K KAMAI3 | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, IL 483028302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 0.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SRVCS (BF) | 2850 GOLF RD ROLLING MEADOWS, MI 60008 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $624 | $624 | 0.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PARK CENTRAL 7/12750 MERIT DR SUITE 1000 DALLAS, TX 75251 | GUARDIAN | $18K | $7K | $25K | 11.59% |
| BENEFITS PROFILE INC3 | 500 CASCADE WEST PARKWAY SUITE 160 GRAND RAPIDS, MI 49546 | GUARDIAN | $10K | — | $10K | 4.39% |
| GODDARD & ASSOCIATES LLC3 | 27780 NOVI RD SUITE 250 NOVI, MI 48377 | GUARDIAN | $2K | — | $2K | 1.14% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN | $912 | — | $912 | 0.42% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 171 | $1.2M |
| Dental | GUARDIAN | 167 | $218K |
| Vision | GUARDIAN | 167 | $218K |
| Life insurance | GUARDIAN | 167 | $218K |
| Short-term disability | GUARDIAN | 167 | $218K |
| Long-term disability | GUARDIAN | 167 | $218K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 171 | $1.2M |
| Other | GUARDIAN | 167 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.