| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1100 SUPERIOR AVE #1601 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | — | $35K | 12.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $13K | $13K | 4.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 21ST ST FL, TWO PIERCE PL ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 19.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 6.01% |
| DENNIS FENNELL3 Filed as: DENNIS PATTON | 21211 LASER LANE SOUTH LYON, MI 48178 | AFLAC | $581 | — | $581 | 4.43% |
| REHMANN INSURANCE GROUP LLC3 | 5800 GRATIOT RD, SUITE 201 SAGINAW, MI 48638 | AFLAC | $233 | — | $233 | 1.78% |
| JOHN ALEXANDER3 | 1527 S. ATLANTIC AVE APT 401 COCOA BEACH, FL 32931 | AFLAC | $157 | — | $157 | 1.20% |
| STEPHEN GRACIN3 | 625 E. BIG BEAVER ROAD, SUITE 103 TROY, MI 48083 | AFLAC | $100 | — | $100 | 0.76% |
| TERESA TRAPNELL3 | 1527 S. ATLANTIC AVE, SUITE 5017 COCOA BEACH, FL 32931 | AFLAC | $66 | — | $66 | 0.50% |
| ALAN BERGMANN3 | 707 PRUDDENT ST UNIT 101 LANSING, MI 48906 | AFLAC | $51 | — | $51 | 0.39% |
| ROBERT L TRAPNELL JR3 Filed as: ROBERT L. TRAPNELL, JR | 15 N. INDIAN RIVER DRIVE, APT 705 COCOA, FL 32922 | AFLAC | $46 | — | $46 | 0.35% |
| ANDREW K GLAUB3 Filed as: ANDREW GLAUB | 2150 ASSOCIATION DR STE 150 OKEMOS, MI 48864 | AFLAC | $40 | — | $40 | 0.31% |
| MICHELLE J HALLER3 Filed as: MICHELLE CALVIN | PO BOX 99 JONESVILLE, MI 49250 | AFLAC | $35 | — | $35 | 0.27% |
| GREG A GOULD3 Filed as: GREG GOULD | 8105 GINGKO WAY DEXTER, MI 48130 | AFLAC | $31 | — | $31 | 0.24% |
| SUSAN PATTON3 | 21211 LASER LN SOUTH LYON, MI 48178 | AFLAC | $30 | — | $30 | 0.23% |
| MARY WESTER3 Filed as: MARY WEBSTER | 1205 OLD PARSONAGE DR MERRITT ISLAND, FL 32952 | AFLAC | $28 | — | $28 | 0.21% |
| GLEN PERKIN3 | 7430 FORESTVIEW DR HUDSONVILLE, MI 49426 | AFLAC | $22 | — | $22 | 0.17% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $21 | — | $21 | 0.16% |
| RICHARD JOHN DERF3 Filed as: RICHARD DERF | PO BOX 143 GRAND HAVIN, MI 49417 | AFLAC | $17 | — | $17 | 0.13% |
| BRIAN DAY3 | 13169 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $17 | — | $17 | 0.13% |
| LARRY D DENNY3 Filed as: LARRY KESSELRING | 30745 JEFFREY CT, APT 203 NEW HUDSON, MI 48165 | AFLAC | $16 | — | $16 | 0.12% |
| RANDALL D LADNER3 Filed as: RANDALL KIMBLER | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $13 | — | $13 | 0.10% |
| ROCHELLE ALEXANDER3 | 1527 S ATLANTIC AVE APT 401 COCOA BEACH, FL 32931 | AFLAC | $12 | — | $12 | 0.09% |
| LARRY D DENNY3 Filed as: LARRY KESSELRING | 26200 TOWN CENTER DRIVE NOVI, MI 48375 | AFLAC | $11 | — | $11 | 0.08% |
| THOMAS KRUISENGA3 | 5952 BROOKRIDGE CT SE KENTWOOD, MI 49508 | AFLAC | $9 | — | $9 | 0.07% |
| AG AND ASSOCIATES3 Filed as: AG & ASSOCIATES | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $7 | — | $7 | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVE, SUITE 1601 CLEVELAND, OH 44114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $553 | $219 | $772 | 13.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $168 | — | $168 | 3.03% |
| LIFETIME FINANCIAL GROWTH3 | 24500 CHAGRIN BLVD., SUITE 200 BEACHWOOD, OH 44122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3 | — | $3 | 0.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 ADMINISTRATOR | Float revenue; Direct payment from the plan; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Claims processing; Insurance services; Contract Administrator Service code 12 | 600 E. LAFAYETTE DETROIT, ME 48226 | $435K |
| GALLAGHER BENEFIT SERVICES EIN 36-4291971 INSURANCE AGENT | Other commissions; Non-monetary compensation; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | $75K |
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 | 653 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 670 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 381 | $87K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,910 | $282K |
| Short-term disability(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,910 | $320K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,910 | $276K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,910 | $290K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,910 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.