| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NICHOLAS K KAMAI3 Filed as: NICHOLAS K. KAMAI | 30150 TELAGRAPH SUITE 408 BINGHAM FARMS, MI 48025 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $202K | — | $202K | 2.83% |
| DOUGLAS H ROEHM3 Filed as: DOUGLAS H. ROEHM | 5925 MERIDAN BOULEVARD SUITE 300 BRIGHTON, MI 48166 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $106K | — | $106K | 1.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 30150 TELAGRAPH SUITE 408 BINGHAM FARMS, MI 48025 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | — | $9K | $9K | 0.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD FLOOR 4 ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 1.39% |
| AFFILIATED AGENCIES LLC3 Filed as: AFFILIATED AGENCIES, LLC | 5925 MERIDIAN BOULEVARD FLOOR 2 BRIGHTON, MI 48116 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 0.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 10.59% |
| STRATEGIC SERVICES GROUP3 Filed as: STRATEGIC SERVICES GROUP INC | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 4.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES,INC. | 2850 WEST GOLF ROAD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURACE COMPANY OF AMERICA | $9K | — | $9K | 10.56% |
| STRATEGIC SERVICES GROUP3 Filed as: STRATEGIC SERVICES GROUP INC | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | UNUM LIFE INSURACE COMPANY OF AMERICA | $4K | — | $4K | 4.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF ROAD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURACE COMPANY OF AMERICA | — | $773 | $773 | 0.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF ROAD 11TH FLOOR ROLLING MEADOWN, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $768 | $768 | 0.90% |
| STRATIGIC SERVICES GROUP INC3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILS, MI 48307 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $241 | — | $241 | 0.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 10.31% |
| STRATIGIC SERVICES GROUP INC3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2850 WEST GOLF ROAD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $671 | $671 | 0.86% |
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 | 909 | 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) | 909 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | 1,367 | $7.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 1,495 | $502K |
| Vision(2 contracts) | VISION SERVICE PLAN | 883 | $201K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 909 | $164K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 545 | $211K |
| Long-term disability | UNUM LIFE INSURACE COMPANY OF AMERICA | 449 | $88K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | 1,367 | $7.1M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 909 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,495 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.