| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY M. MIKLOSOVIC3 | 2600 S TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 483028302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $35K | — | $35K | 1.05% |
| DANIEL WERNER3 | 2465 WENDRICK COURT WEST BLOOMFIELD, MI 483233664 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $12K | — | $12K | 0.35% |
| 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 | — | $6K | $6K | 0.17% |
| GARY M. MIKLOSOVIC3 | 2600 S TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 483028302 | BLUE CARE NETWORK OF MICHIGAN | $3K | — | $3K | 0.59% |
| DANIEL WERNER3 | 2465 WENDRICK COURT WEST BLOOMFIELD, MI 483233664 | BLUE CARE NETWORK OF MICHIGAN | $3K | — | $3K | 0.54% |
| 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 | — | $1K | $1K | 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 | $5K | — | $5K | 1.99% |
| 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 | 2.99% |
| 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 | 4.42% |
| 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 | 5.81% |
| 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 | $7K | — | $7K | 15.00% |
| 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 | 5.39% |
| 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 | $1K | — | $1K | 15.00% |
| 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 | $672 | — | $672 | 14.99% |
| 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. | $2 | — | $2 | — |
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 | 477 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 487 | 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 | 634 | $3.9M |
| Dental | DELTA DENTAL OF MICHIGAN | 939 | $275K |
| Vision(2 contracts) | EYEMED VISION CARE /FIDELITY SECURITY LIFE INSURANCE CO. | 779 | $40K |
| Life insurance | THE LINCOLN FINANCIAL GROUP | 820 | $50K |
| Long-term disability | THE LINCOLN FINANCIAL GROUP | 347 | $115K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 634 | $3.9M |
| Other(5 contracts) | THE LINCOLN FINANCIAL GROUP | 820 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 939 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.