| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1100 SUPERIOR AVE #1700 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31K | — | $31K | 12.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | TWO PIERCE PL ITASCA, ID 60143 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.78% |
| KEVIN D GREGORY3 Filed as: KEVIN GREGORY | 4496 GREEWOLD CLEVELAND, OH 44121 | KANAWHA INSURANCE COMPANY | $2K | — | $2K | 10.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48638 | KANAWHA INSURANCE COMPANY | $2K | — | $2K | 7.43% |
| DENNIS FENNELL3 Filed as: DENNIS PATTON | 21211 LASER LANE SOUTH LYON, MI 48178 | AFLAC | $510 | — | $510 | 4.39% |
| REHMANN INSURANCE GROUP LLC3 | 5800 GRATIOT RD, SUITE 201 SAGINAW, MI 48638 | AFLAC | $192 | — | $192 | 1.65% |
| STEPHEN GRACIN3 | 625 E. BIG BEAVER ROAD, SUITE 103 TROY, MI 48083 | AFLAC | $81 | — | $81 | 0.70% |
| TERESA TRAPNELL3 | 1527 S. ATLANTIC AVE, SUITE 5017 COCOA BEACH, FL 32931 | AFLAC | $60 | — | $60 | 0.52% |
| ROBERT L TRAPNELL JR3 Filed as: ROBERT L. TRAPNELL, JR | 15 N. INDIAN RIVER DRIVE, APT 705 COCOA, FL 32922 | AFLAC | $51 | — | $51 | 0.44% |
| SENIOR INS RESOURCES INC3 | PO BOX 320310 COCOA BEACH, FL 32932 | AFLAC | $41 | — | $41 | 0.35% |
| MARY WESTER3 Filed as: MARY WEBSTER | 1205 OKD PARSONOAGE DR MERRITT ISLAND, FL 32952 | AFLAC | $34 | — | $34 | 0.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVE, SUITE 1601 CLEVELAND, OH 44114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $935 | — | $935 | 16.63% |
| LIFETIME FINANCIAL GROWTH3 | 24500 CHAGRIN BLVD., SUITE 200 BEACHWOOD, OH 44122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4 | — | $4 | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 ADMINISTRATOR | Consulting (general); Float revenue; Claims processing; Direct payment from the plan; Insurance services; Other fees; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 600 E. LAFAYETTE DETROIT, ME 48226 | $404K |
| GALLAGHER BENEFIT SERVICES EIN 36-4291971 INSURANCE AGENT | Non-monetary compensation; Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | $72K |
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 | 615 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 625 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 370 | $83K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,796 | $250K |
| Short-term disability(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,796 | $279K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,796 | $244K |
| Other(2 contracts, 2 carriers) | KANAWHA INSURANCE COMPANY | 79 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,796 | — |
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.