| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 3697 MT. DIABLO BLVD #300 LAFAYETTE, CA 94549 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $6K | $21K | 11.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 6.41% |
| BEESLEY KENNETH R & ASSOCIATES3 | 4251 PINE LAKE ORCHARD LAKE, MI 48033 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$2 | $0 | -$2 | -0.00% |
| MERITAIN HEALTH5 | 2370 SCIENCE PARKWAY OKEMOS, MI 48864 | HCC LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 30150 TELEGRAPH ROAD BINGHAM FARMS, MI 480255708 | EYEMED | $1K | $0 | $1K | 4.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH A MARSH & MCLENNAN | 3331 W BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | EYEMED | $1K | $0 | $1K | 4.26% |
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 | 698 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 698 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 740 | $123K |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 989 | $314K |
| Vision | EYEMED | 413 | $30K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 989 | $190K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 989 | $190K |
| Prescription drug | HCC LIFE INSURANCE COMPANY | 740 | $123K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 740 | $123K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 989 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 989 | — |
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.