| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JUSTIN SPEWOCK3 | 12 E CENTRAL MIAMI, OK 74354 | CAPITAL HEALTH PLAN | $71K | — | $71K | 2.18% |
| BALLARD BENEFIT WORKS3 | 915 N MICHIGAN AVENUE SUITE 207 HOWELL, MI 48843 | FLORIDA BLUE | $135K | — | $135K | 14.47% |
| BALLARD BENEFIT WORKS3 | 915 N MICHIGAN AVENUE HOWELL, MI 48843 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $55K | $2K | $57K | 20.91% |
| BALLARD BENEFIT WORKS3 | 915 N MICHIGAN AVENUE HOWELL, MI 48843 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $34K | $1K | $36K | 20.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 915 MICHIGAN AVENUE HOWELL, MI 48843 | HM LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| BALLARD BENEFIT WORKS3 | 915 N MICHIGAN AVENUE HOWELL, MI 48843 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $419 | $9K | 21.01% |
| BALLARD BENEFIT WORKS3 | 915 N MICHIGAN AVENUE HOWELL, MI 48843 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $178 | $4K | 21.01% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | — | $430 | $430 | 10.00% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $277 | — | $277 | 6.44% |
| GALLAGHER BENEFIT SERVICES, INC.5 Filed as: GALLAGHER BENEFITS SERVICES, INC | 4819 EMPEROR BLVD SUITE 200 DURHAM, NC 27703 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $248 | — | $248 | 5.77% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | ENVISION INSURANCE COMPANY PRESCRIPTION DRUG PLAN | $319 | — | $319 | 7.51% |
| BALLARD BENEFIT WORKS5 Filed as: BALLARD BENEFIT WORKS, INC. | 915 N. MICHIGAN AVE. HOWELL, FL 48843 | ENVISION INSURANCE COMPANY PRESCRIPTION DRUG PLAN | $143 | — | $143 | 3.37% |
| GALLAGHER BENEFIT SERVICES, INC.4 Filed as: GALLAGHER BENEFIT SERVICES | 668 MYSTIC WOODS DR HOWELL, MI 48843 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $454 | — | $454 | 13.86% |
| HEATHER PINARD4 | 33526 MELTON ST WESTLAND, MI 48186 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $65 | — | $65 | 1.98% |
| ADAM RICCINTO4 | 722 E CROSS ST YPSILANTI, MI 48198 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $25 | — | $25 | 0.76% |
| JOHN WYNN4 | 849 ISLE OF PALM WAY WILMINGTON, NC 28412 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $9 | — | $9 | 0.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 ADMINISTRATOR | Contract Administrator Service code 13 | — | $499K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 PLAN ADMINISTRATOR | Non-monetary compensation; Claims processing; Other services; Float revenue; Named fiduciary; Participant communication; Contract Administrator; Direct payment from the plan Service code 12 | — | $42K |
| WAGEWORKS EIN 94-3351864 ADMINISTRATOR | Claims processing Service code 12 | — | $9K |
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 | 771 | 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) | 771 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL HEALTH PLAN | 598 | $3.3M |
| Vision | HM LIFE INSURANCE COMPANY | 829 | $58K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 771 | $274K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 201 | $42K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 685 | $171K |
| Prescription drug(2 contracts, 2 carriers) | CAPITAL HEALTH PLAN | 598 | $3.3M |
| Stop-loss / reinsurancereinsurance | FLORIDA BLUE | 395 | $933K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 771 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 829 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.