| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1111 SUPERIOR AVE #1601 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $33K | — | $33K | 12.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 3.23% |
| 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 | $7K | — | $7K | 19.64% |
| 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 | — | $734 | $734 | 2.13% |
| 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% |
| DENNIS FENNELL3 Filed as: DENNIS PATTON | 21211 LASER LANE SOUTH LYON, MI 48178 | AFLAC | $684 | — | $684 | — |
| REHMANN INSURANCE GROUP LLC3 | 5800 GRATIOT RD, SUITE 201 SAGINAW, MI 48638 | AFLAC | $256 | — | $256 | — |
| EOWALTER3 LLC3 | PO BOX 150199 GRAND RAPIDS, MI 49515 | AFLAC | $136 | — | $136 | — |
| ALAN LECLAIRE3 | 9182 ESTERO RIVER CIR ESTERO, FL 33928 | AFLAC | $80 | $53 | $133 | — |
| JOHN ALEXANDER3 | 1527 S. ATLANTIC AVE APT 401 COCOA BEACH, FL 32931 | AFLAC | $130 | — | $130 | — |
| AUSTON BURTON3 | 139 W LAKE LANSING RD STE 200 EAST LANSING, MI 48823 | AFLAC | $121 | $7 | $128 | — |
| MATTHEW P JOHNSON3 | 139 W LAKE LANSING RD STE 200 EAST LANSING, MI 48823 | AFLAC | $98 | $9 | $107 | — |
| STEPHEN GRACIN3 | 625 E. BIG BEAVER ROAD, SUITE 103 TROY, MI 48083 | AFLAC | $83 | — | $83 | — |
| ANN E MANGIAPANI3 | 240 SUDBURY DR LAKE WORTH, FL 33462 | AFLAC | $63 | — | $63 | — |
| TERESA TRAPNELL3 | 1527 S. ATLANTIC AVE, SUITE 5017 COCOA BEACH, FL 32931 | AFLAC | $55 | — | $55 | — |
| ERIC D TROTOCHAUD3 Filed as: ERIC TROTOCHAUD | 16845 MEADOWBROOK HASLETT, MI 48840 | AFLAC | $55 | — | $55 | — |
| ANDREW K GLAUB3 Filed as: ANDREW GLAUB | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $47 | — | $47 | — |
| ALAN BERGMANN3 | 707 PRUDDENT ST UNIT 101 LANSING, MI 48906 | AFLAC | $43 | — | $43 | — |
| ROBERT L TRAPNELL JR3 Filed as: ROBERT L. TRAPNELL, JR | 15 N. INDIAN RIVER DRIVE, APT 705 COCOA, FL 32922 | AFLAC | $38 | — | $38 | — |
| BRENDA LYNN GARRETT3 | 205 RIVER FALLS DR APEX, NC 27539 | AFLAC | $28 | $9 | $37 | — |
| RICHARD P SOMMERS3 | 1390 WEST BLVD BERKLEY, MI 48072 | AFLAC | $35 | — | $35 | — |
| STEPHANIE LAUREN BAZLEY3 | 1170 KERI ISLAND RD NAPLES, FL 34120 | AFLAC | $35 | — | $35 | — |
| MICHELLE J HALLER3 Filed as: MICHELLE CALVIN | PO BOX 99 JONESVILLE, MI 49250 | AFLAC | $29 | — | $29 | — |
| PATRICK FULLER3 | 6381 ISLAND LAKE DR EAST LANSING, MI 48823 | AFLAC | $29 | — | $29 | — |
| RONALD A DASHKOVITZ3 Filed as: RONALD DASHKOVITZ | 139 W LAKE LANSING RD STE 200 EAST LANSING, MI 48823 | AFLAC | $25 | $4 | $29 | — |
| GREG A GOULD3 Filed as: GREG GOULD | 8105 GINGKO WAY DEXTER, MI 48130 | AFLAC | $26 | — | $26 | — |
| SUSAN PATTON3 | 21211 LASER LN SOUTH LYON, MI 48178 | AFLAC | $25 | — | $25 | — |
| MARY WESTER3 | 1205 OLD PARSONAGE DR MERRITT ISLAND, FL 32952 | AFLAC | $24 | — | $24 | — |
| LARRY D DENNY3 Filed as: LARRY KESSELRING | 5879 FORESTAL DR WATERFORD, MI 48327 | AFLAC | $22 | — | $22 | — |
| CHAD JACOBSEN3 | 205 RIVER FALLS DR APEX, NC 27539 | AFLAC | $22 | — | $22 | — |
| GLEN PERKIN3 | 7430 FORESTVIEW DR HUDSONVILLE, MI 49426 | AFLAC | $18 | — | $18 | — |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $17 | — | $17 | — |
| BRIAN DAY3 | 13169 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $14 | — | $14 | — |
| RANDALL D LADNER3 Filed as: RANDALL KIMBLER | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $12 | — | $12 | — |
| AG AND ASSOCIATES3 Filed as: AG & ASSOCIATES | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $12 | — | $12 | — |
| ROCHELLE ALEXANDER3 | 1527 S ATLANTIC AVE APT 401 COCOA BEACH, FL 32931 | AFLAC | $10 | — | $10 | — |
| RICHARD JOHN DERF3 | PO BOX 143 GRAND HAVEN, MI 49417 | AFLAC | $10 | — | $10 | — |
| CHRISTOPHER D BOULDREY3 | PO BOX 602 CNCORD, MI 49237 | AFLAC | $10 | — | $10 | — |
| THOMAS KRUISENGA3 | 5952 BROOKRIDGE CT SE KENTWOOD, MI 49508 | AFLAC | $8 | — | $8 | — |
| JAYNE A STALLINGS3 | 8056 TIGER PALM WAY FORT MYERS, FL 33966 | AFLAC | $8 | — | $8 | — |
| C HUDSON AND ASSOCIATES3 Filed as: C HUDSON & ASSOCIATES | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $5 | — | $5 | — |
| RICHARD JOHN DERF3 Filed as: RICHARD DERF | PO BOX 143 GRAND HAVIN, MI 49417 | AFLAC | $4 | — | $4 | — |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER LLC | 18096 TRUDY DR SPRING LAKE, MI 49456 | AFLAC | $4 | — | $4 | — |
| ANNIE GLAUB3 | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $4 | — | $4 | — |
| DAWN T SUCHECKI3 | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $4 | — | $4 | — |
| HEIDI E GLAUB3 | 1325 OAK HOLLOW DR MILFORD, MI 48380 | AFLAC | $2 | — | $2 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 ADMINISTRATOR | Claims processing; Float revenue; Insurance services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Direct payment from the plan; Consulting (general) Service code 12 | 600 E. LAFAYETTE DETROIT, ME 48226 | $384K |
| GALLAGHER BENEFIT SERVICES EIN 36-4291971 INSURANCE AGENT | Non-monetary compensation; Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | $87K |
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 | 751 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 767 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 420 | $92K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,831 | $262K |
| Short-term disability(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,831 | $291K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,831 | $257K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,831 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,831 | — |
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.