| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH S-100 BLOOMFIELD HILLS, MI 483020968 | BLUE CARE NETWORK OF MICHIGAN | $19K | $1K | $21K | 2.07% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH S-100 BLOOMFIELD HILLS, MI 483020968 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $23K | $700 | $24K | 2.38% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH S-100 BLOOMFIELD HILLS, MI 48302 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $18K | — | $18K | 15.10% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SEVICES | PO BOX 3009 ARLINGON HEIGHTS, IL 60006 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $11 | — | $11 | 0.01% |
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 | 377 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 377 | $2.0M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 377 | $986K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 377 | $986K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 302 | $116K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 302 | $116K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 302 | $116K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 377 | $2.0M |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 302 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 377 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.