| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD FL 4 ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $14K | — | $14K | 10.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 2600 S. TELEGRAPH RD, STE 100 BLOOMFIELD HILLS, MI 483020003 | THE LINCOLN NATIONAL INSURANCE COMPANY - LTD | $6K | — | $6K | 17.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOICATES LLC | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | THE LINCOLN NATIONAL INSURANCE COMPANY - LTD | — | $925 | $925 | 2.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 2600 S. TELEGRAPH RD, STE 100 BLOOMFIELD HILLS, MI 483020003 | THE LINCOLN NATIONAL INSURANCE COMPANY - LIFE/AD&D | $4K | — | $4K | 17.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | THE LINCOLN NATIONAL INSURANCE COMPANY - LIFE/AD&D | — | $656 | $656 | 2.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | NATIONAL VISION ADMINISTRATORS, LLC | $2K | — | $2K | 8.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 2600 S. TELEGRAPH RD, STE 100 BLOOMFIELD HILLS, MI 483020003 | THE LINCOLN NATIONAL INSURANCE COMPANY - WEEKLY INCOME | $3K | — | $3K | 17.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | THE LINCOLN NATIONAL INSURANCE COMPANY - WEEKLY INCOME | — | $519 | $519 | 2.74% |
| LAU & LAU ASSOCIATES LLC | 41000 WOODWARD AVE STE 250 E BLOOMFIELD HILLS, MI 48304 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 20.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD FL 4 ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $767 | — | $767 | 7.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 30150 TELEGRAPH RD, STE 408 BINGHAM FARMS, MI 480255708 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $26K | $29K | $55K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Other fees; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Direct payment from the plan; Insurance services; Consulting (general) Service code 12 | 4520 LINDEN CREEK PKWY FLINT, MI 48507 | $230K |
| GALLAGHER BENEFITS SERVICES EIN 36-4291971 AGENT | Other fees; Insurance brokerage commissions and fees; Non-monetary compensation; Other commissions; Insurance agents and brokers Service code 22 | 2600 S. TELEGRAPH STE 100 BLOOMFIELD HILLS, MI 483020003 | $85K |
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 | 316 | 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) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 562 | $0 |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 410 | $152K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 411 | $24K |
| Life insurance | THE LINCOLN NATIONAL INSURANCE COMPANY - LIFE/AD&D | 310 | $24K |
| Short-term disability | THE LINCOLN NATIONAL INSURANCE COMPANY - WEEKLY INCOME | 310 | $19K |
| Long-term disability | THE LINCOLN NATIONAL INSURANCE COMPANY - LTD | 310 | $34K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL INSURANCE COMPANY - LIFE/AD&D | 310 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 562 | — |
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.