Graham Health Services, Inc
Updated Filing received by DOL
Graham Health Services, Inc, a healthcare & social assistance employer in Troy, Michigan, reported 1,643 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $859,999 in insurance premiums across 11 contracts and $532,137 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on September 2, 2026, within the extension window.
Who was paid on Graham Health Services, Inc's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Graham Health Services, Inc filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Gallagher · Rolling Meadows, IL | $166,075 | $320,886 | $486,961 | 13 |
| Aeron J Lucas · Nashville, TN | $0 | $44,946 | $44,946 | 1 |
| Alkeme Insurance Services Inc · Plattsmouth, NE | $92 | $0 | $92 | 1 |
| Benefit Ins Marketing Inc · Lexington, KY | $69 | $0 | $69 | 1 |
| Robbins Star · London, KY | $69 | $0 | $69 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Delta Dental of Michigandental | 2,821 | $859,999 | $16,241 | 1.9% |
| Highmark Inc.vision | 3,726 | — | — | — |
| The Lincoln National Life Insurance Companyshort-term disability | 459 | — | $62,677 | — |
| American Heritage Life Insurance Companylife | 121 | — | $13,543 | — |
| The Lincoln National Life Insurance Companyshort-term disability | 936 | — | $47,484 | — |
| The Lincoln National Life Insurance Companyshort-term disability | 615 | — | $75,327 | — |
| Lincoln National Life Insurance Companylife | 3,966 | — | $80,897 | — |
| Lincoln National Life Insurance Companylong-term disability | 586 | — | $49,150 | — |
| Lincoln National Life Insurance Companyshort-term disability | 3,293 | — | $136,856 | — |
| Lincoln National Life Insurance Companycoverage not coded | 3,518 | — | $5,016 | — |
| Bluecross Blueshield of Tennessee, Inc.health | 116 | — | $44,946 | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Graham Health Services, Inc compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 1,105 | 1,643 | +48.7% |
| Premiums filed | $1,793,043 | $859,999 | not comparable |
| Broker commissions + fees | $613,141 | $532,137 | −13.2% |
| Commission rate | 3.5% | — | — |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Residential Healthcare Group Welfare Benefit Plan#505 · general assets | December 31, 2025 | September 2, 2026 | within extension | 1,643 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Graham Health Services, Inc pay in health insurance broker commissions in 2025?
Graham Health Services, Inc's 2025 Form 5500 reports $532,137 in broker commissions and fees across 11 insurance contracts ($166,305 in commissions, $365,832 in fees), with Gallagher receiving the largest share.
Is Graham Health Services, Inc's health plan self-funded or fully insured?
The 2025 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Bluecross Blueshield of Tennessee, Inc..
How does Graham Health Services, Inc's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Graham Health Services, Inc because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 1,000-4,999 participants that disclosed broker pay reported a median of $168,579.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.