| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2600 S. TELEGRAPH RD, SUITE 100 BLOOMFIELD HILLS, MI 48302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31K | — | $31K | 13.82% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35, SUITE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $13K | $13K | 5.88% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $3K | $10K | 6.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2600 S. TELEGRAPH RD, SUITE 100 BLOOMFIELD HILLS, MI 48302 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $6K | 3.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2600 S. TELEGRAPH RD, SUITE 100 BLOOMFIELD HILLS, MI 48302 | VISION SERVICE PLAN | $2K | — | $2K | 4.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2600 S. TELEGRAPH RD, SUITE 100 BLOOMFIELD HILLS, MI 48302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 10.39% |
| GABRIEL G TORREZ3 | 38615 SILKEN GLEN DR NORTHVILLE, MI 48167 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 7.62% |
| SHAUN M KLUG3 | 957 HILLANDALE RD BENTON HARBOR, MI 49022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $201 | — | $201 | 0.84% |
| JULIE A HOLDERNESS3 | 633 MOUNTAIN CIRCLE ROCHESTER, MI 48306 | CONTINENTAL AMERICAN INSURANCE COMPANY | $158 | — | $158 | 0.66% |
| STEPHEN A GRACIN3 | 625 E. BIG BEAVER #103 TROY, MI 48083 | CONTINENTAL AMERICAN INSURANCE COMPANY | $90 | — | $90 | 0.38% |
| MARK A RAYMER3 | 49245 MORNING GLORY DRIVE MACOMB, MI 48044 | CONTINENTAL AMERICAN INSURANCE COMPANY | $85 | — | $85 | 0.36% |
| ROOPA FITZPATRICK3 | 653 WYNGATE DR. ROCHESTER, MI 48307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67 | — | $67 | 0.28% |
| PATRICK M WOLFF3 | 18114 ROSETTA EASTPOINTE, MI 48021 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.10% |
| HILARY R EBNER3 | 31201 CHICAGO RD S, SUITE A103 WARREN, MI 48093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.09% |
| PATRICE C DITRAPANI3 | 3140 WALNUT HILLS DR. LEONARD, MI 48367 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.08% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: AUDREY A BROWN | 7009 BOULDER POINTE DR WASHINGTON, MI 480944504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.08% |
| TRACY KATZ LLC4 | 1662 E MELTON RD BIRMINGHAM, MI 480097294 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $368 | — | $368 | 8.13% |
| GALLAGHER BENEFIT SERVICES, INC.4 Filed as: GALLAGHER BENEFIT SERVICES INC | 2600 S. TELEGRAPH RD, SUITE 100 BLOOMFIELD HILLS, MI 48302 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $175 | — | $175 | 3.86% |
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 | 368 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 863 | $159K |
| Vision | VISION SERVICE PLAN | 243 | $37K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 329 | $227K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 329 | $227K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 329 | $227K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 329 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 863 | — |
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.