| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAY R SCHREIBMAN3 Filed as: JAY R. SCHREIBMAN | 2600 S. TELEGRAPH RD, SUITE 100 BLOOMFIELD HILLS, MI 483028302 | BLUE CARE NETWORK OF MICHIGAN | $25K | — | $25K | 3.43% |
| BETHANY L. PAGNANI3 | 2600 S. TELEGRAPH RD, SUITE 100 BLOOMFIELD HILLS, MI 483028302 | BLUE CARE NETWORK OF MICHIGAN | $9K | — | $9K | 1.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S. TELEGRAPH RD BLOOMFIELD HILLS, MI 483028302 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.14% |
| JAY R SCHREIBMAN3 Filed as: JAY R. SCHREIBMAN | 2600 S. TELEGRAPH RD, SUITE 100 BLOOMFIELD HILLS, MI 483028302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 5.55% |
| BETHANY L. PAGNANI3 | 2600 S. TELEGRAPH RD, SUITE 100 BLOOMFIELD HILLS, MI 483028302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $704 | — | $704 | 1.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S. TELEGRAPH RD BLOOMFIELD HILLS, MI 483028302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $638 | $638 | 1.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S. TELEGRAPH RD, SUITE 100 BLOOMFIELD HILLS, MI 483028302 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $891 | — | $891 | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S. TELEGRAPH RD BLOOMFIELD HILLS, MI 48302 | METROPOLITAN LIFE INSURANCE COMPANY | $597 | $60 | $657 | 16.54% |
| MMA SERVICE CORP3 | 620 S CAPITOL AVE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE COMPANY | — | $199 | $199 | 5.01% |
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 | 118 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 104 | $743K |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 114 | $40K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 109 | $9K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 93 | $4K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 104 | $743K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 93 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.