| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID ERWIN3 | — | BLUE CARE NETWORK OF MICHIGAN | $47K | — | $47K | 4.87% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP | — | BLUE CARE NETWORK OF MICHIGAN | $1K | — | $1K | 0.11% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 10.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.89% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 11.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.86% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 7.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.11% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 18.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $333 | — | $333 | 1.53% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 14.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $227 | — | $227 | 1.84% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 12.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $198 | — | $198 | 1.73% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 170 | $968K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 94 | $51K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $12K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 142 | $69K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 142 | $65K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 170 | $968K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 78 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.