| 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 MI | $35K | — | $35K | 1.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 2850 GOLF ROAD GBS FINANCE 4TH FL ROLLING MEADOWS, IL 60008 | BLUE CARE NETWORK OF MI | — | $1K | $1K | 0.05% |
| KIMBERLY ANN KNUE3 | 30150 TELEGRAPH RD STE 408 BINGHAM FARMS, MI 48025 | BLUE CROSS BLUE SHIELD OF MI | $24K | — | $24K | 1.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 2850 GOLF ROAD GBS FINANCE 4TH FL ROLLING MEADOWS, IL 60008 | BLUE CROSS BLUE SHIELD OF MI | — | $528 | $528 | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 30150 TELEGRAPH RD STE 408 BINGHAM FARMS, MI 48025 | SYMETRA LIFE INSURANCE CO | $46K | — | $46K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER & CO | 2850 GOLF RD 5TH FLR ROLLING MEADOWS, IL 60008 | SYMETRA LIFE INSURANCE CO | — | $7K | $7K | 2.40% |
| KIMBERLY ANN KNUE3 | 2850 GOLF ROAD GBS FINANCE 4TH FL ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $33K | — | $33K | 14.45% |
| NANCY HILL3 Filed as: NANCY SNELL | 2850 GOLF ROAD GBS FINANCE 4TH FL ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $2K | $219 | $2K | 1.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | NATIONAL VISION ADMINISTRATORS LLC | $2K | — | $2K | 10.00% |
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 MI | 417 | $4.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 573 | $232K |
| Vision | NATIONAL VISION ADMINISTRATORS LLC | 443 | $24K |
| Life insurance | SYMETRA LIFE INSURANCE CO | 343 | $305K |
| Short-term disability | SYMETRA LIFE INSURANCE CO | 343 | $305K |
| Long-term disability | SYMETRA LIFE INSURANCE CO | 343 | $305K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MI | 417 | $4.1M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE CO | 438 | $320K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 573 | — |
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.