| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | DEARBORN LIFE INSURANCE COMPANY | $15K | $0 | $15K | 9.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2886 WEST GOLF ROAD ROLLING MEADOWS, IL 60044 | DEARBORN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.12% |
| MJ INSURANCE3 Filed as: CHRISTINA SEXTON AND VARIOUS AGENTS | PO BOX 3156 ENGLEWOOD, CO 80155 | AFLAC | $2K | $135 | $2K | 5.99% |
| JUDITH I VIDAL3 Filed as: JUDITH D. DADD | 3202 ALDEN DRIVE LANSING, MI 48910 | AFLAC | $2K | $81 | $2K | 5.81% |
| CHRISTINA SHEPARD3 Filed as: CHRISTINA LYNN SHEPARD | PO BOX 4131 ENGLEWOOD, CO 80155 | AFLAC | $2K | $9 | $2K | 4.92% |
| KATHLEEN T BENES3 Filed as: KATHLEEN T. BENES | 692 TRANSART PARKWAY CANTON, GA 30114 | AFLAC | $437 | $0 | $437 | 1.22% |
| KRISTY L. SOMMERS3 | 2306 RUBY SUNSET SAN ANTONIO, TX 78232 | AFLAC | $399 | $0 | $399 | 1.12% |
| JAMES M GARNER3 Filed as: JAMES M. GARNER | 111 WASHINGTON AVENUE, SUITE 210 GOLDEN, CO 80401 | AFLAC | $242 | $2 | $244 | 0.68% |
| RONALD A DASHKOVITZ3 Filed as: RONALD ALLEN DASHKOVITZ | 139 WEST LAKE LANSING ROAD SUITE 200 EAST LANSING, MI 48823 | AFLAC | $225 | $16 | $241 | 0.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 300 OTTAWA NW GRAND RAPIDS, MI 49503 | LIFESECURE INSURANCE COMPANY | $4K | $0 | $4K | 14.76% |
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 | 724 | 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) | 724 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 724 | $38K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 724 | $153K |
| Short-term disability | AFLAC | 63 | $36K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 724 | $153K |
| Other(4 contracts, 4 carriers) | DEARBORN LIFE INSURANCE COMPANY | 724 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 724 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.