| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY M. MIKLOSOVIC3 | 30150 TELEGRAPH ROAD SUITE 408 BINGHAM FARMS, MI 480258025 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $36K | — | $36K | 0.85% |
| DANIEL WERNER3 | 2465 WENDRICK COURT WEST BLOOMFIELD, MI 483233664 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $11K | — | $11K | 0.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 480255708 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $5K | $5K | 0.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 2800 LIVERNOIS ROAD TROY, MI 48083 | DELTA DENTAL OF MICHIGAN | $7K | $673 | $7K | 2.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 2850 GOLF ROAD FLOOR 4 ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $648 | — | $648 | 0.24% |
| GARY M. MIKLOSOVIC3 | 30150 TELEGRAPH ROAD SUITE 408 BINGHAM FARMS, MI 480258025 | BLUE CARE NETWORK OF MICHIGAN | $1K | — | $1K | 0.99% |
| DANIEL WERNER3 | 2465 WENDRICK COURT WEST BLOOMFIELD, MI 483233664 | BLUE CARE NETWORK OF MICHIGAN | $344 | — | $344 | 0.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 30150 TELEGRAPH ROAD SUITE 408 BINGHAM FARMS, MI 480255708 | BLUE CARE NETWORK OF MICHIGAN | — | $183 | $183 | 0.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 2600 S TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 483020003 | THE LINCOLN FINANCIAL GROUP | $4K | — | $4K | 3.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN FINANCIAL GROUP | — | $1K | $1K | 1.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 2600 S TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 483020003 | THE LINCOLN FINANCIAL GROUP | $5K | — | $5K | 5.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN FINANCIAL GROUP | — | $1K | $1K | 1.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 2600 S TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 483020003 | THE LINCOLN FINANCIAL GROUP | $6K | — | $6K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN FINANCIAL GROUP | — | $479 | $479 | 1.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 30150 TELEGRAPH ROAD SUITE 408 BINGHAM FARMS, MI 480255708 | EYEMED VISION CARE /FIDELITY SECURITY LIFE INSURANCE CO. | $2K | — | $2K | 4.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 2601 CAMBRIDGE COURT AUBURN HILLS, MI 48326 | EYEMED VISION CARE /FIDELITY SECURITY LIFE INSURANCE CO. | $189 | — | $189 | 0.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 2600 S TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 483020003 | THE LINCOLN FINANCIAL GROUP | $3K | — | $3K | 6.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN FINANCIAL GROUP | — | $477 | $477 | 1.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 2600 S TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 483020003 | THE LINCOLN FINANCIAL GROUP | $2K | — | $2K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN FINANCIAL GROUP | — | $189 | $189 | 1.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 2600 S TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 483020003 | THE LINCOLN FINANCIAL GROUP | $2K | — | $2K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN FINANCIAL GROUP | — | $143 | $143 | 1.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 2600 S TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 483020003 | THE LINCOLN FINANCIAL GROUP | $675 | — | $675 | 15.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN FINANCIAL GROUP | — | $57 | $57 | 1.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 30150 TELEGRAPH ROAD SUITE 408 BINGHAM FARMS, MI 480255708 | EYEMED VISION CARE /FIDELITY SECURITY LIFE INSURANCE CO. | $11 | — | $11 | 4.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 2601 CAMBRIDGE COURT AUBURN HILLS, MI 48326 | EYEMED VISION CARE /FIDELITY SECURITY LIFE INSURANCE CO. | $1 | — | $1 | 0.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN FINANCIAL GROUP | — | $1 | $1 | 0.50% |
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 | 531 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 540 | 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 | 754 | $4.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 981 | $271K |
| Vision(2 contracts) | EYEMED VISION CARE /FIDELITY SECURITY LIFE INSURANCE CO. | 807 | $41K |
| Life insurance | THE LINCOLN FINANCIAL GROUP | 881 | $40K |
| Short-term disability | THE LINCOLN FINANCIAL GROUP | 1 | $202 |
| Long-term disability(2 contracts) | THE LINCOLN FINANCIAL GROUP | 369 | $111K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 754 | $4.3M |
| Other(6 contracts) | THE LINCOLN FINANCIAL GROUP | 881 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 981 | — |
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.