| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KIMBERLY ANN KNUE3 | 30150 TELEGRAPH RD STE 408 BINGHAM FARMS, MI 48025 | BLUE CARE NETWORK OF MICHIGAN | $27K | — | $27K | 1.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 30150 TELEGRAPH RD STE 408 BINGHAM FARMS, MI 48025 | BLUE CARE NETWORK OF MICHIGAN | — | $3K | $3K | 0.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLD ROAD GBS FINANCE 4TH FL ROLLING MEADOWS, IL 60008 | BLUE CARE NETWORK OF MICHIGAN | — | $32 | $32 | 0.00% |
| KIMBERLE ANN KNUE3 | 30150 TELEGRAPH RD STE 408 BINHAM FARMS, MI 48025 | BLUE CROSS BLUE SHIELD OF MICHIGA | $17K | — | $17K | 1.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 30150 TELEGRAPH RD STE 408 BINGHAM FARMS, MI 48025 | BLUE CROSS BLUE SHIELD OF MICHIGA | — | $1K | $1K | 0.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD GBS FINANCE 4TH FL ROLLING MEADOWS, IL 60008 | BLUE CROSS BLUE SHIELD OF MICHIGA | — | $13 | $13 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 30150 TELEGRAPH RD STE 408 BINGHAM FARMS, MI 48025 | SYMETRA LIFE INSURANCE | $44K | $9K | $53K | 18.12% |
| NANCY HILL3 Filed as: NANCY SNELL | GALLAGHER BENEFIT SERVICES TROY, MI 48083 | DELTA DENTAL OF MICHIGAN | $12K | $694 | $13K | 5.86% |
| NANCY HILL3 Filed as: NANCY SNELL | GALLAGHER BENEFIT SERVICES 2850 GOLF RD ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $1K | — | $1K | 0.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HILLS, IL 60006 | NATIONAL VISION ADMINISTRATORS LLC | $21K | $2K | $23K | 110.00% |
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 | 438 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 408 | $3.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 539 | $224K |
| Vision | NATIONAL VISION ADMINISTRATORS LLC | 397 | $21K |
| Life insurance | SYMETRA LIFE INSURANCE | 402 | $292K |
| Short-term disability | SYMETRA LIFE INSURANCE | 402 | $292K |
| Long-term disability | SYMETRA LIFE INSURANCE | 402 | $292K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 408 | $3.4M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE | 438 | $308K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 539 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.