| 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 | $28K | — | $28K | 14.10% |
| 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 | — | $8K | $8K | 3.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2600 S. TELEGRAPH RD, SUITE 100 BLOOMFIELD HILLS, MI 48302 | DELTA DENTAL OF MICHIGAN | $8K | — | $8K | 4.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2600 S. TELEGRAPH RD, SUITE 100 BLOOMFIELD HILLS, MI 48302 | VISION SERVICE PLAN | $1K | — | $1K | 4.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S. TELEGRAPH RD, SUITE 100 BLOOMFIELD HILLS, MI 48302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 10.27% |
| GABRIEL TORREZ3 | 407 LAFAYETTE AVE BAY CITY, MI 48708 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 6.79% |
| SHAUN M KLUG3 | 957 HILLANDALE RD BENTON HARBOR, MI 49022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $357 | — | $357 | 1.26% |
| PATRICE C DITRAPANI3 | 3140 WALNUT HILLS DR. LEONARD, MI 48367 | CONTINENTAL AMERICAN INSURANCE COMPANY | $231 | — | $231 | 0.82% |
| HILARY R EBNER3 | 31201 CHICAGO RD S, SUITE A103 WARREN, MI 48093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $224 | — | $224 | 0.79% |
| JULIE A HOLDERNESS3 | 1675 KILBURN RD ROCHESTER HILLS, MI 48306 | CONTINENTAL AMERICAN INSURANCE COMPANY | $91 | — | $91 | 0.32% |
| STEPHEN A GRACIN3 | 625 E. BIG BEAVER #103 TROY, MI 48083 | CONTINENTAL AMERICAN INSURANCE COMPANY | $73 | — | $73 | 0.26% |
| MARK A RAYMER3 | 49245 MORNING GLORY DRIVE MACOMB, MI 48044 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67 | — | $67 | 0.24% |
| PATRICK WOLFF3 | 625 E. BIG BEAVER, SUITE 103 TROY, MI 48083 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53 | — | $53 | 0.19% |
| ROOPA FITZPATRICK3 | 653 WYNGATE DR. ROCHESTER, MI 48307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 0.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: AUDREY A BROWN | 5540 STONEY PLACE SOUTH SHELBY TOWNSHIP, MI 48316 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.04% |
| TRACY KATZ LLC4 | 1662 E MELTON RD BIRMINGHAM, MI 48009 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $475 | — | $475 | 10.07% |
| 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 | $168 | — | $168 | 3.56% |
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 | 353 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 498 | $169K |
| Vision | VISION SERVICE PLAN | 214 | $30K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 294 | $197K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 294 | $197K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 294 | $197K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 294 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 498 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.