| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | KIMBERLY KNUE 2850 GOLF ROAD - 4TH FLOOR ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 3.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2600 S TELEGRAPH RD., #100 BLOOMFIELD HILLS, MI 48302 | SYMETRA LIFE INSURANCE COMPANY | $21K | $7K | $28K | 14.35% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES | LLC DBA STRATEGIC ENROLLMENT S 27064 OAKMEAD DR PERRYSBURG, OH 435512657 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $206 | $4K | 9.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2600 S. TELEGRAPH RD., STE. 100 BLOOMFIELD HILLS, MI 483020968 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $107 | $2K | 4.67% |
| STRATEGIC ENROLLMENT SERVICES INC.3 | 27064 OAKMEAD DR. PERRYSBURG, OH 435512657 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $159 | $159 | 0.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P O BOX 95287 CHICAGO, IL 606945287 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $153 | $153 | 0.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 95287 CHICAGO, IL 606945287 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3 | $3 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P O BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | — | $1K | $1K | 4.56% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES | LLC DBA STRATEGIC ENROLLMENT S 27064 OAKMEAD DR PERRYSBURG, OH 435512657 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $217 | $4K | 13.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2600 S TELEGRAPH RD. #100 BLOOMFIELD HILLS, MI 483020968 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $107 | $2K | 6.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P O BOX 95287 CHICAGO, IL 606907219 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $131 | $131 | 0.47% |
| STRATEGIC ENROLLMENT SERVICES INC.3 | 27064 OAKMEAD DR. PERRYSBURG, OH 435512657 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $25 | $25 | 0.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 95287 CHICAGO, IL 606945287 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2 | $2 | 0.01% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES | LLC DBA STRATEGIC ENROLLMENT S 27064 OAKMEAD DR. PERRYSBURG, OH 435512657 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $149 | $2K | 12.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2600 S. TELEGRAPH RD., STE. 100 BLOOMFIELD HILLS, MI 483020968 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $107 | $1K | 6.39% |
| STRATEGIC ENROLLMENT SERVICES INC.3 | 27064 OAKMEAD DR. PERRYSBURG, OH 435512657 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $127 | $127 | 0.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 95287 CHICAGO, IL 606945287 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $112 | $112 | 0.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 95287 CHICAGO, IL 606945287 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2 | $2 | 0.01% |
| KIMBERLY ANN KNUE3 | 2600 S. TELEGRAPH RD., STE. 100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | -$6 | $15K | $15K | — |
| KELLY A. DEMIYRAN3 | 2600 S. TELEGRAPH RD., STE. 100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $8K | $8K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2600 S. TELEGRAPH RD., STE. 100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $1K | $1K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Direct payment from the plan; Other fees; Float revenue; Consulting (general); Insurance services Service code 12 | — | $176K |
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 | 592 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 594 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 324 | $83K |
| Dental | DELTA DENTAL OF MICHIGAN | 655 | $214K |
| Vision | VISION SERVICE PLAN | 354 | $33K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 592 | $197K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 592 | $197K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 592 | $197K |
| Prescription drug | RXBENEFITS, INC. | 261 | $0 |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 253 | $0 |
| Other | SYMETRA LIFE INSURANCE COMPANY | 592 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 655 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.