Open any plan below to see its carriers, broker commissions and premiums.
Solo shows those sections on each welfare plan. Your first month is $4.99.
Sponsor portfolioWelfare / HealthEIN 38-1879991
GARAN LUCOW MILLER P.C.
1155 BREWERY PARK BOULEVARD · DETROIT, MI 48207
3134461530
- Plans filed
- 3
- Years active
- 2015–2025
- Industry
- NAICS 54
- Latest filing
- 2025
Total premiums (latest)
$1.9M
No prior year
Persons covered
225
No prior year
Total participants
246
No prior year
Plans filed
3
No prior year
Plans under this sponsor
3 plans
Plan #501$1.9M
GARAN LUCOW MILLER P.C. HEALTH AND DISABILITY PLAN
Fully insured225 covered·3 carriers
Primary: BLUE CROSS BLUE SHIELD OF MICHIGAN
Plan #502$0
GARAN LUCOW MILLER P.C. HEALTH REIMBURSEMENT ARRANGEMENT PLAN
Self-funded0 covered·0 carriers
Plan #001$0
GARAN LUCOW MILLER, P.C. PROFIT SHARING PLAN & TRUST
Fully insured3 covered·2 carriers
Primary: CNA VALLEY FORGE
Coverage overview
Aggregate, latest year
| Benefit type | Premium | Share | Distribution |
|---|---|---|---|
| Health | $1.6M | 38.1% | |
| Prescription drug | $1.6M | 38.1% | |
| Dental | $249K | 5.9% | |
| Life | $249K | 5.9% | |
| Long-term disability | $249K | 5.9% | |
| Other | $249K | 5.9% | |
| Vision | $14K | 0.3% |
Carrier overview
3 carriers · all plans
| Carrier | Coverage | Total premium | Share | Plans | Contracts | Covered |
|---|---|---|---|---|---|---|
EIN 382069753 | HRx | $1.6M | 86.0% | 1 | 1 | 202 |
EIN 420127290 | DLLTDOth | $249K | 13.3% | 1 | 1 | 225 |
EIN 430949844 | V | $14K | 0.7% | 1 | 1 | 208 |
Broker overview
5 brokers · all plans
| Broker | Loc | Carriers | Commissions | Fees | Total comp | Share | Plans |
|---|---|---|---|---|---|---|---|
| JOSEPH J HANEY | STERLING HEIGHTS, MI | BLUE CROSS BLUE SHIELD OF MICHIGAN | $71K | $0 | $71K | 64.5% | 1 |
| ASSUREDPARTNERS | STERLING HEIGHTS, MI | PRINCIPAL LIFE INSURANCE COMPANY, BLUE CROSS BLUE SHIELD OF MICHIGAN | $31K | $1K | $32K | 28.8% | 1 |
| GARRY L JOHNSON & ASSOCIATES INC | MESA, AZ | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 4.5% | 1 |
| RALPH C WILSON AGENCY INC | SOUTHFIELD, MI | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 1.6% | 1 |
| AP BENEFIT ADVISORS, LLC | HUNT VALLEY, MD | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $622 | $622 | 0.6% | 1 |
History & trajectory
11 years · all plans
Total premiums
Summed across all plans for this sponsor.
Persons covered
EOY headcount summed across all plans.
Carrier mix
Premium by top carriers, summed across plans.
Broker compensation
Comp by top brokers, summed across plans.
Policy details
Latest year, by plan