| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4819 EMPEROR BOULEVARD, SUITE 200 DURHAM, NC 27703 | RELIASTAR LIFE INSURANCE COMPANY | $55K | $0 | $55K | 2.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $53K | $53K | 2.18% |
| PATRICK HARADEN3 | 2850 GOLF ROAD, 4TH FLOOR ROLLING MEADOWS, IL 60008 | BLUE CARE NETWORK OF MICHIGAN | $48K | $0 | $48K | 4.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 4TH FLOOR ROLLING MEADOWS, IL 60008 | BLUE CARE NETWORK OF MICHIGAN | $0 | $1K | $1K | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $9K | $9K | 1.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $12K | $0 | $12K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRNAD BOULEVARD 6TH FLOOR GLENDALE, CA 91203 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $2K | $2K | 0.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVENUE EAST SUITE 1601 CLEVELAND, OH 44114 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $8 | $8 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE, 10TH FLOOR BOSTON, MA 02116 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $2K | $0 | $2K | 20.00% |
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 | 5,724 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 203 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,927 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 209 | $967K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 9,869 | $2.4M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,724 | $774K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 209 | $967K |
| Other(4 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 9,869 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,869 | — |
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.