| 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 | $14K | — | $14K | 4.82% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD STE 400 SOUTHFIELD, MI 480768076 | BLUE CARE NETWORK OF MICHIGAN | $3K | — | $3K | 0.89% |
| MATTHEW PAUL COOK3 Filed as: MATTHEW J YEE | 2095 E BIG BEAVER RD STE 100 TROY, MI 480838083 | BLUE CARE NETWORK OF MICHIGAN | — | $534 | $534 | 0.18% |
| KIMBERLY PERKINS3 | 2600 S TELEGRAPH STE 100 BLOOMFIELD HILLS, MI 483028302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $11K | — | $11K | 4.76% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD STE 400 SOUTHFIELD, MI 480768076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 0.83% |
| MATTHEW PAUL COOK3 Filed as: MATTHEW J YEE | 2095 E BIG BEAVER RD STE 100 TROY, MI 480838083 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $354 | $354 | 0.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $108 | $2K | 5.54% |
| BENEFIT PROFILES INC3 | 500 CASCADE WEST PKWY SE STE 160 GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 6.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, MI 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $64 | $2K | 15.52% |
| BENEFIT PROFILES INC3 | 500 CASCADE WEST PKWY SE STE 160 GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $617 | $617 | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, MI 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $54 | $1K | 15.62% |
| BENEFIT PROFILES INC3 | 500 CASCADE WEST PKWY SE STE 160 GRAND RAPIDS, MI 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $432 | $432 | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $674 | $35 | $709 | 9.68% |
| BENEFIT PROFILES INC3 | 500 CASCADE WEST PKWY SE STE 160 GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $366 | $366 | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 92587 CHICAGO, IL 60694 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $689 | — | $689 | 9.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $347 | $347 | 5.03% |
| YEE HOLDINGS INC3 | PO BOX 85 WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $392 | — | $392 | 6.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $260 | — | $260 | 3.99% |
| BENEFIT PROFILES INC3 | 500 CASCADE WEST PKWY SE STE 160 GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $196 | $196 | 3.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $157 | $131 | $288 | 6.88% |
| YEE HOLDINGS INC3 | PO BOX 85 WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $262 | — | $262 | 6.25% |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 85 | $527K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 84 | $45K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 83 | $7K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $16K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 62 | $24K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 44 | $12K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 85 | $527K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.