| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH RD DTE 408 BINGHAM FARMS, MI 48025 | BLUE CARE NETWORK OF MICHIGAN | $25K | $2K | $27K | 1.46% |
| NANCY HILL3 Filed as: NANCY SNELL | GALLAGHER BENEFITS SERVICES BF 30150 TELEGRAPH RD STE 408 BINGHAM FARMS, MI 48025 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $14K | — | $14K | 1.20% |
| KIMBERLY ANN KNUE3 | GALLAGHER BENEFITS SERVICES 30150 TELEGRAPH RD STE 408 BINGHAM FARMS, MI 48025 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $1K | — | $1K | 0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR GALLAGHER & CO | 2850 GOLF RD 5TH FL ROLLING MEADOWS, IL 60008 | SYMETRA LIFE INSURANCE COMPANY | — | $5K | $5K | 1.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 2850 GOLF RD FL 4 ROLLING MEADOWS, IL 60008 | DLTA DENTAL | $14K | $441 | $14K | 6.18% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFITS SERVICES INC | PO BOX 3009 ARLINGTON HILLS, IL 60006 | NATIONAL VISION ADMINISTATORS | — | — | $0 | 0.00% |
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 | 431 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 163 | $3.0M |
| Dental(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 555 | $517K |
| Vision | NATIONAL VISION ADMINISTATORS | 380 | $21K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 402 | $284K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 402 | $284K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 402 | $284K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 163 | $3.0M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 431 | $299K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 555 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.