| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY M. MIKLOSOVIC3 | 30150 TELEGRAPH, SUITE 408 BINGHAM FARMS, MI 48025 | BLUECROSS BLUESHIELD OF MICHIGAN | $27K | $0 | $27K | 4.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH, SUITE 408 BINGHAM FARMS, MI 48025 | BLUECROSS BLUESHIELD OF MICHIGAN | $0 | $776 | $776 | 0.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 4TH FLOOR ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $1K | $0 | $1K | 4.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3697 MOUNT DIABLO BOULEVARD SUITE 300 LAFAYETTE, CA 94549 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $5K | 20.24% |
| D. MCDONALD3 Filed as: L. MCDONALD | 28655 OAKMONTE CIRCLE WEST NEW HUDSON, MI 48165 | AFLAC | $2K | $105 | $2K | 9.81% |
| D. MCDONALD3 | 28655 OAKMONTE CIRCLE WEST NEW HUDSON, MI 48165 | AFLAC | $1K | $69 | $1K | 5.73% |
| K. MCNULTY3 | 22452 LAKECREST STREET SAINT CLAIR SHORES, MI 48081 | AFLAC | $342 | $48 | $390 | 1.94% |
| PATTERSON BRYANT GROUP INC3 Filed as: PATTERSON BRYANT, INC. | 30600 TELEGRAPH ROAD, SUITE 2250 BINGHAM FARMS, MI 48025 | AFLAC | $172 | $0 | $172 | 0.86% |
| MJ INSURANCE3 Filed as: K. GRUENKEMEYER AND VARIOUS AGENTS | 5530 WEST PARKWAY, SUITE 100 JOHNSTON, IA 50131 | AFLAC | $106 | $14 | $120 | 0.60% |
| K SEXTON3 Filed as: K. SEXTON | 9864 EAST GRAND RIVER AVENUE SUITE 110, NUMBER 292 BRIGHTON, NE 48116 | AFLAC | $50 | $0 | $50 | 0.25% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE, SUITE 150 OKEMOS, MI 48864 | AFLAC | $49 | $0 | $49 | 0.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $651 | $0 | $651 | 8.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 4TH FLOOR ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $278 | $0 | $278 | 4.77% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF MICHIGAN | 120 | $598K |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 87 | $33K |
| Vision | VISION SERVICE PLAN | 87 | $8K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $24K |
| Short-term disability | AFLAC | 14 | $20K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $24K |
| Prescription drug | BLUECROSS BLUESHIELD OF MICHIGAN | 120 | $598K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.