Form 5500 · Employee benefit plan · DETROIT, MI
GARAN LUCOW MILLER P.C.
GARAN LUCOW MILLER P.C. of DETROIT, MI spreads its employee benefits across 3 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is JOSEPH J. HANEY. Coverage is written through BLUE CROSS BLUE SHIELD OF MICHIGAN and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-1879991 · plan 501 · as of Aug 2026
Plan brief
Schedule A lists 3 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF MICHIGAN, covers 202 people.
Reported premium across the insured contracts is $1,874,369, with $103,921 in disclosed broker commissions — about 5.5% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
JOSEPH J. HANEY is the broker of record on 1 of the 3 contracts; the rest name a different broker or none.
3 carriers appear on the filing — BLUE CROSS BLUE SHIELD OF MICHIGAN, PRINCIPAL LIFE INSURANCE COMPANY and EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. — with BLUE CROSS BLUE SHIELD OF MICHIGAN writing the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Health | 202 | December | $1,611,363 | $71,373 |
| PRINCIPAL LIFE INSURANCE COMPANY | Health, Dental, Life, Disability | 225 | December | $249,314 | $30,756 |
| EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | Vision | 208 | December | $13,692 | $1,792 |
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.
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