| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY M. MIKLOSOVIC3 | 30150 TELEGRAPH ROAD SUITE 408 BINGHAM FARMS, MI 48025 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $40K | — | $40K | 1.20% |
| ERIC T. HAMMILL3 | 30150 TELEGRAPH ROAD SUITE 408 BINGHAM FARMS, MI 48025 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $24K | — | $24K | 0.71% |
| DANIEL WERNER3 | 2465 WENDRICK COURT WEST BLOOMFIELD, MI 48323 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $11K | — | $11K | 0.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | — | $4K | 0.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 2850 GOLF ROAD FLOOR 4 ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 2.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 30150 TELEGRAPH ROAD SUITE 408 BINGHAM FARMS, MI 48025 | THE LINCOLN FINANCIAL GROUP | $3K | — | $3K | 4.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 111 SUPERIOR AVE SUITE 1601 CLEVELAND, OH 44114 | THE LINCOLN FINANCIAL GROUP | — | $3K | $3K | 3.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 30150 TELEGRAPH ROAD SUITE 408 BINGHAM FARMS, MI 48025 | THE LINCOLN FINANCIAL GROUP | $5K | — | $5K | 6.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 111 SUPERIOR AVE SUITE 1601 CLEVELAND, OH 44114 | THE LINCOLN FINANCIAL GROUP | — | $3K | $3K | 4.02% |
| GARY M. MIKLOSOVIC3 | 30150 TELEGRAPH ROAD SUITE 408 BINGHAM FARMS, MI 48025 | BLUE CARE NETWORK OF MICHIGAN | $913 | — | $913 | 1.45% |
| DANIEL WERNER3 | 2465 WENDRICK COURT WEST BLOOMFIELD, MI 48323 | BLUE CARE NETWORK OF MICHIGAN | $278 | — | $278 | 0.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 30150 TELEGRAPH ROAD SUITE 408 BINGHAM FARMS, MI 48025 | BLUE CARE NETWORK OF MICHIGAN | $122 | — | $122 | 0.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 30150 TELEGRAPH ROAD SUITE 408 BINGHAM FARMS, MI 48025 | THE LINCOLN FINANCIAL GROUP | $5K | — | $5K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 111 SUPERIOR AVE SUITE 1601 CLEVELAND, OH 44114 | THE LINCOLN FINANCIAL GROUP | — | $2K | $2K | 5.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 30150 TELEGRAPH ROAD SUITE 408 BINGHAM FARMS, MI 48025 | THE LINCOLN FINANCIAL GROUP | $3K | — | $3K | 8.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 111 SUPERIOR AVE SUITE 1601 CLEVELAND, OH 44114 | THE LINCOLN FINANCIAL GROUP | — | $2K | $2K | 5.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 30150 TELEGRAPH ROAD SUITE 408 BINGHAM FARMS, MI 48025 | EYE MED | $1K | — | $1K | 4.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 30150 TELEGRAPH ROAD SUITE 408 BINGHAM FARMS, MI 48025 | THE LINCOLN FINANCIAL GROUP | $2K | — | $2K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 111 SUPERIOR AVE SUITE 1601 CLEVELAND, OH 44114 | THE LINCOLN FINANCIAL GROUP | — | $862 | $862 | 6.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 30150 TELEGRAPH ROAD SUITE 408 BINGHAM FARMS, MI 48025 | THE LINCOLN FINANCIAL GROUP | $1K | — | $1K | 15.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 111 SUPERIOR AVE SUITE 1601 CLEVELAND, OH 44114 | THE LINCOLN FINANCIAL GROUP | — | $630 | $630 | 6.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 30150 TELEGRAPH ROAD SUITE 408 BINGHAM FARMS, MI 48025 | THE LINCOLN FINANCIAL GROUP | $572 | — | $572 | 14.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 111 SUPERIOR AVE SUITE 1601 CLEVELAND, OH 44114 | THE LINCOLN FINANCIAL GROUP | — | $233 | $233 | 6.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 111 SUPERIOR AVE SUITE 1601 CLEVELAND, OH 44114 | THE LINCOLN FINANCIAL GROUP | — | $4 | $4 | 3.23% |
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 | 456 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 460 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 719 | $3.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 879 | $209K |
| Vision | EYE MED | 729 | $32K |
| Life insurance | THE LINCOLN FINANCIAL GROUP | 751 | $32K |
| Short-term disability | THE LINCOLN FINANCIAL GROUP | 1 | $124 |
| Long-term disability(2 contracts) | THE LINCOLN FINANCIAL GROUP | 312 | $86K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 719 | $3.4M |
| Other(6 contracts) | THE LINCOLN FINANCIAL GROUP | 751 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 879 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.