| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERIC T. HAMMILL3 | GALLAGHER BENEFIT SRVCS 30150 TELEGRAPH 408 BINGHAM FARMS, MI 48025 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $18K | — | $18K | 2.36% |
| MICHAEL KYLE3 Filed as: MICHAEL SEAN KYLE | PAYCHEX INSURANCE AGY INC 29065 CABOT DR STE 100 NOVI, MI 48377 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $12K | — | $12K | 1.49% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: VANESSA L VOWLES/PAYCHEX INSURANCE | PO BOX 948 HENRIETTA, NY 14487 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $4K | — | $4K | 0.45% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | PO BOX 948 HENRIETTA, NY 14467 | TOTAL HEALTH CARE USA, INC. | $21K | — | $21K | 4.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 3.78% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY, INC | PO BOX 948 ROCHESTER, NY 14620 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 2.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 260 S TELEGRAPH RD BLOOMFIELD HILLS, MI 48302 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 9.11% |
| PAYCHECK INSURANCE AGENCY, INC.3 Filed as: PAYCHECK INSURANCE AGENCY INC | 225 KENNETH DR ROCHESTER, NY 14623 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 6.68% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY- | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | $900 | — | $900 | 6.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2600 S. TELEGRAPH RD. BLOOMFIELD HILLS, MI 48302 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | $875 | — | $875 | 6.09% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | 112 | $1.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 232 | $68K |
| Vision(2 contracts, 2 carriers) | TOTAL HEALTH CARE USA, INC. | 223 | $506K |
| Life insurance | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 153 | $53K |
| Short-term disability | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 153 | $53K |
| Long-term disability | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 153 | $53K |
| Prescription drug | TOTAL HEALTH CARE USA, INC. | 101 | $491K |
| Other | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 153 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.