| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JUSTIN SPEWOCK3 | 12 E CENTRAL MIAMI, OK 74354 | CAPITAL HEALTH PLAN | $67K | — | $67K | 2.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 915 N MICHIGAN AVENUE HOWELL, MI 48843 | FLORIDA BLUE | $219K | — | $219K | 12.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2600 TELEGRAPH RD BLOOMFIELS HILLS, MI 48302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $56K | $3K | $58K | 19.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2600 TELEGRAPH RD BLOOMFIELD HILLS, MI 48025 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $33K | $2K | $35K | 20.00% |
| 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% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2600 TELEGRAPH RD BLOOMFIELD, MI 48302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $413 | $8K | 20.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2600 TELEGRAPH RD BLOOMFIELS HILLS, MI 48025 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $180 | $4K | 19.95% |
| GALLAGHER BENEFIT SERVICES, INC.4 Filed as: GALLAGHER BENEFIT SERVICES | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $1K | — | $1K | 15.46% |
| HEATHER PINARD4 | 33526 MELTON ST WESTLAND, MI 48186 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $290 | — | $290 | 4.40% |
| ADAM RICCINTO4 | 722 E CROSS ST YPSILANTI, MI 48198 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $21 | — | $21 | 0.32% |
| GALLAGHER BENEFIT SERVICES, INC.5 Filed as: GALLAGHER BENEFITS SERVICES, INC | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | ENVISION INSURANCE COMPANY PRESCRIPTION DRUG PLAN | $583 | — | $583 | 9.01% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | ENVISION INSURANCE COMPANY PRESCRIPTION DRUG PLAN | $27 | — | $27 | 0.42% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $785 | — | $785 | 12.22% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $643 | — | $643 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 ADMINISTRATOR | Contract Administrator Service code 13 | — | $341K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 PLAN ADMINISTRATOR | Other services; Direct payment from the plan; Contract Administrator; Participant communication; Float revenue; Named fiduciary; Non-monetary compensation; Claims processing Service code 12 | — | $36K |
| WAGEWORKS EIN 94-3351864 ADMINISTRATOR | Claims processing Service code 12 | — | $10K |
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 | 725 | 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) | 725 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL HEALTH PLAN | 470 | $3.2M |
| Vision | HM LIFE INSURANCE COMPANY | 855 | $58K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 725 | $292K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 207 | $41K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 636 | $175K |
| Prescription drug(2 contracts, 2 carriers) | CAPITAL HEALTH PLAN | 470 | $3.2M |
| Stop-loss / reinsurancereinsurance | FLORIDA BLUE | 368 | $1.8M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 723 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 855 | — |
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.