| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID ERWIN3 | — | BLUE CARE NETWORK OF MICHIGAN | $59K | — | $59K | 4.72% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP | — | BLUE CARE NETWORK OF MICHIGAN | $1K | — | $1K | 0.10% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 10.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.04% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 6.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.05% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 10.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.04% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 19.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $498 | — | $498 | 2.09% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 14.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $304 | — | $304 | 2.03% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 12.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $279 | — | $279 | 2.03% |
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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 202 | $1.3M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $79K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $14K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 159 | $15K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $80K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $75K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 202 | $1.3M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 90 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.