| 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 | $44K | — | $44K | 1.21% |
| DANIEL WERNER3 | 2465 WENDRICK COURT WEST BLOOMFIELD, MI 483233664 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $15K | — | $15K | 0.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 2600 S TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 483028302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | — | $5K | 0.13% |
| GARY M. MIKLOSOVIC3 | 30150 TELEGRAPH ROAD SUITE 408 BINGHAM FARMS, MI 480258025 | BLUE CARE NETWORK OF MICHIGAN | $5K | — | $5K | 1.32% |
| DANIEL WERNER3 | 2465 WENDRICK COURT WEST BLOOMFIELD, MI 483233664 | BLUE CARE NETWORK OF MICHIGAN | $2K | — | $2K | 0.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 2600 S TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 483028302 | BLUE CARE NETWORK OF MICHIGAN | — | $768 | $768 | 0.21% |
| 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 | 1.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 2800 LIVERNOIS ROAD TROY, MI 48083 | DELTA DENTAL OF MICHIGAN | — | $473 | $473 | 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 | 3.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN FINANCIAL GROUP | — | $3K | $3K | 2.66% |
| 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 | 4.88% |
| GALLAGHER BENEFIT SERVICES, INC.4 Filed as: GALLAGHER BENEFITS SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN FINANCIAL GROUP | — | $3K | $3K | 2.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 2600 S TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | EYEMED VISION CARE /FIDELITY SECURITY LIFE INSURANCE CO. | $2K | — | $2K | 5.41% |
| 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. | — | — | $0 | 0.00% |
| 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 | 6.46% |
| GALLAGHER BENEFIT SERVICES, INC.4 Filed as: GALLAGHER BENEFITS SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN FINANCIAL GROUP | — | $1K | $1K | 2.58% |
| 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 | — | $1K | $1K | 2.68% |
| 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.4 Filed as: GALLAGHER BENEFITS SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN FINANCIAL GROUP | — | $364 | $364 | 2.80% |
| 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 | $1K | — | $1K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN FINANCIAL GROUP | — | $282 | $282 | 3.07% |
| 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 | $658 | — | $658 | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN FINANCIAL GROUP | — | $124 | $124 | 2.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN FINANCIAL GROUP | — | $2 | $2 | 0.57% |
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 | 503 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 510 | 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 | 660 | $4.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 954 | $298K |
| Vision | EYEMED VISION CARE /FIDELITY SECURITY LIFE INSURANCE CO. | 774 | $43K |
| Life insurance | THE LINCOLN FINANCIAL GROUP | 838 | $43K |
| Short-term disability | THE LINCOLN FINANCIAL GROUP | 1 | $350 |
| Long-term disability | THE LINCOLN FINANCIAL GROUP | 345 | $103K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 660 | $4.0M |
| Other(7 contracts) | THE LINCOLN FINANCIAL GROUP | 838 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 954 | — |
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."
No prospect flags tripped on this filing.