| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGG PRANGER3 | 8000 NORMAN CENTER DR SUITE 400 BLOOMINGTON, MN 55437 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $50K | $0 | $50K | 1.03% |
| ROBERT E VOGELEI3 | 400 WEST FOURTH STREET STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | $0 | $2K | 0.05% |
| USI INSURANCE SERVICES LLC3 | 4000 TOWN CENTER SUITE 800 SOUTHFIELD, MI 48075 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 1.08% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 203318 DALLAS, TX 75320 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.89% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | VISION SERVICE PLAN | $258 | $0 | $258 | 0.42% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 203318 DALLAS, TX 75320 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | $884 | $141 | $1K | 5.80% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES INC | PO BOX 203318 DALLAS, TX 75320 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | $529 | $32 | $561 | 3.18% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 WEST FOURTH STREET STE 300 ROYAL OAK, MI 48067 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | $462 | $69 | $531 | 3.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | PO BOX 851300 SHOREVIEW, MN 55126 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | $0 | $60 | $60 | 0.34% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: WACHOVIA INSURANCE SERVICES INC | 227 W TRADE STREET SUITE 1500 A CHARLOTTE, NC 28202 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | $0 | $52 | $52 | 0.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO | 3475 PIEDMONT ROAD NE SUITE 800 ATLANTA, GA 30305 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | $0 | $22 | $22 | 0.12% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 4000 TOWN CENTER SUITE 800 SOUTHFIELD, MI 48075 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $712 | $0 | $712 | 13.90% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 WEST FOURTH STREET STE 300 ROYAL OAK, MI 48067 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $186 | $0 | $186 | 3.63% |
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 | 955 | 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) | 955 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 805 | $4.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 518 | $369K |
| Vision | VISION SERVICE PLAN | 444 | $61K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 955 | $257K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 955 | $257K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 955 | $257K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 805 | $4.9M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 955 | $275K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 955 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.