| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KIMBERLY ANN KNUE3 | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $51K | $0 | $51K | 1.97% |
| JOSHUA SIMERMAN3 | 11279 EAST CARRIBEAN LANE SCOTTSDALE, AZ 85255 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $22K | $0 | $22K | 0.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $3K | $3K | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | PRINCIPAL LIFE INSURANCE COMPANY | $40K | $8K | $48K | 8.50% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INS ASSOCIATION LLC | 100 WOOD AVENUE SOUTH, 4TH FLOOR ISELIN, IL 08830 | PRINCIPAL LIFE INSURANCE COMPANY | $24K | — | $24K | 4.24% |
| KIMBERLY ANN KNUE3 | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CARE NETWORK OF MICHIGAN | $6K | $0 | $6K | 1.81% |
| JOSHUA SIMERMAN3 | 11279 EAST CARRIBEAN LANE SCOTTSDALE, AZ 85255 | BLUE CARE NETWORK OF MICHIGAN | $3K | $0 | $3K | 0.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CARE NETWORK OF MICHIGAN | $0 | $480 | $480 | 0.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PLACE ITASCA, IL 60143 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 20.12% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVENUE SOUTH, 4TH FLOOR ISELIN, NJ 08830 | CONTINENTAL AMERICAN INSURANCE COMPANY | $143 | — | $143 | 1.24% |
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 | 461 | 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) | 461 | 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 | 516 | $3.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 703 | $565K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 703 | $565K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 703 | $565K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 703 | $565K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 703 | $565K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 516 | $3.0M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 703 | $576K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 703 | — |
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."
No prospect flags tripped on this filing.