| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD GBS FINANCE 4TH FL ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $17K | — | $17K | 10.11% |
| 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 | $7K | — | $7K | 17.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE RTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL INSURANCE COMPANY - LTD | — | $2K | $2K | 5.00% |
| 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 - LIFE/AD&D | $5K | — | $5K | 17.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE RTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL INSURANCE COMPANY - LIFE/AD&D | — | $1K | $1K | 5.00% |
| 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 | $4K | — | $4K | 17.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE RTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL INSURANCE COMPANY - WEEKLY INCOME | — | $1K | $1K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2850 GOLF ROAD GBS FINANCE 4TH FL ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $397 | — | $397 | 8.26% |
| LAU & LAU ASSOCIATES LLC | 41000 WOODWARD AVE STE 250 E BLOOMFIELD HILLS, MI 48304 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $428 | — | $428 | 20.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2600 S. TELEGRAPH RD. BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $23K | $23K | $46K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Float revenue; Claims processing; Direct payment from the plan; Insurance services; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Consulting (general) Service code 12 | 4520 LINDEN CREEK PKWY FLINT, MI 48507 | $261K |
| GALLAGHER BENEFITS SERVICES EIN 36-4291971 AGENT | Insurance agents and brokers; Insurance brokerage commissions and fees; Other fees; Other commissions; Non-monetary compensation Service code 22 | 2600 S. TELEGRAPH STE 100 BLOOMFIELD HILLS, MI 483020003 | $81K |
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 | 361 | 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) | 361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 579 | $0 |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 479 | $176K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 429 | $25K |
| Life insurance | THE LINCOLN NATIONAL INSURANCE COMPANY - LIFE/AD&D | 345 | $28K |
| Short-term disability | THE LINCOLN NATIONAL INSURANCE COMPANY - WEEKLY INCOME | 345 | $23K |
| Long-term disability | THE LINCOLN NATIONAL INSURANCE COMPANY - LTD | 345 | $41K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL INSURANCE COMPANY - LIFE/AD&D | 345 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 579 | — |
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.