Form 5500 · Employee benefit plan · DETROIT, MI
DYKEMA GOSSETT PLLC
The filing calls this plan DYKEMA GOSSETT PLLC SELECTCOMP CAFETERIA PLAN.
DYKEMA GOSSETT PLLC of DETROIT, MI insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is LEYLA COKER. Coverage is written through BLUE CROSS BLUE SHIELD OF MICHIGAN and 8 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-1446628 · plan 510 · plan year 2025, filed Sep 16, 2026
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1,931 other employer plans in Michigan have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Also declared: death benefits, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 9 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF MICHIGAN, covers 1,163 people.
Reported premium across the insured contracts is $12,396,815, with $243,084 in disclosed broker commissions — about 2% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in July. The plan is on a split renewal cycle.
LEYLA COKER is the broker of record on 1 of the 9 contracts; the rest name a different broker or none.
9 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF MICHIGAN, DELTA DENTAL OF MICHIGAN, RELIASTAR LIFE INSURANCE COMPANY and SUN LIFE ASSURANCE COMPANY OF CANADA. BLUE CROSS BLUE SHIELD OF MICHIGAN writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Health | 1,163 | Jan 1, 2026 | $10,357,884 | $155,207 |
| SUN LIFE ASSURANCE COMPANY OF CANADA | Life | 788 | Jan 1, 2026 | $468,414 | $23,421 |
| RELIASTAR LIFE INSURANCE COMPANY | Disability | 787 | Jan 1, 2026 | $495,646 | $23,365 |
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | Life | 78 | Jan 1, 2026 | $162,889 | $16,163 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 14 | Aug 1, 2025 | $74,640 | $14,928 |
| DELTA DENTAL OF MICHIGAN | Dental | 1,379 | Jan 1, 2026 | $637,718 | $10,000 |
| VISION SERVICE PLAN | Vision | 535 | Jan 1, 2026 | $145,412 | $0 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 385 | Jan 1, 2026 | $29,832 | $0 |
| CURALINC LLC | — | 548 | Jan 1, 2026 | $24,380 | $0 |
Premium and claims on these contracts
BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 275487. For the contract year on this filing, the carrier reported $10,357,884 in premium earned and $10,140,521 in claims incurred. Dividing one by the other gives 98%.
DELTA DENTAL OF MICHIGAN, contract 9510. For the contract year on this filing, the carrier reported $636,664 in premium earned and $502,625 in claims incurred. Dividing one by the other gives 79%.
- BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 275487 reported $2,129,088 in retention.
- DELTA DENTAL OF MICHIGAN, contract 9510 reported $55,709 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
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