| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LSG INSURANCE PARTNERS3 | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELDS HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $73K | $4K | $77K | 2.15% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN ROAD, SUITE 400 SOUTHFIELD, MI 48076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $23K | $0 | $23K | 0.65% |
| LSG INSURANCE PARTNERS3 | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELDS HILLS, MI 48302 | BLUE CARE NETWORK OF MICHIGAN | $8K | $893 | $9K | 1.67% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN ROAD, SUITE 400 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $4K | $0 | $4K | 0.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DEARBORN LIFE INSURANCE COMPANY | $18K | $11K | $30K | 7.07% |
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 | 1,028 | 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) | 1,028 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 981 | $4.1M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 981 | $3.6M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 981 | $3.6M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 1,028 | $418K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 1,028 | $418K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 1,028 | $418K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 981 | $4.1M |
| Other | DEARBORN LIFE INSURANCE COMPANY | 1,028 | $418K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,028 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.