Form 5500 · Employee benefit plan · TROY, MI
GRAHAM HEALTH SERVICES, INC
The filing calls this plan RESIDENTIAL HEALTHCARE GROUP WELFARE BENEFIT PLAN.
Public Form 5500 records show how GRAHAM HEALTH SERVICES, INC of TROY, MI, a health care and social assistance employer, structures its employee benefits. Its broker of record is GALLAGHER BENEFIT SERVICES, INC.. Coverage is written through THE LINCOLN NATIONAL LIFE INSURANCE COMPANY and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 20-3608523 · plan 505 · plan year 2025, filed Sep 2, 2026
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
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
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Health: BLUECROSS BLUESHIELD OF TENNESSEE, INC. covers 116 of 1,643 participants (7.1%) on Schedule A.
Also declared: death benefits.
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 11 insured contracts covering health, dental, vision, life and disability; the largest, with THE LINCOLN NATIONAL LIFE INSURANCE COMPANY, covers 3,293 people.
Reported premium across the insured contracts is $5,665,198, with $166,305 in disclosed broker commissions — about 2.9% 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.
GALLAGHER BENEFIT SERVICES, INC. is the broker of record on 8 of the 11 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including THE LINCOLN NATIONAL LIFE INSURANCE COMPANY, BLUECROSS BLUESHIELD OF TENNESSEE, INC., DELTA DENTAL OF MICHIGAN and HIGHMARK INC.. THE LINCOLN NATIONAL LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 615 | Jan 1, 2026 | $394,946 | $43,731 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 459 | Jan 1, 2026 | $249,759 | $27,980 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 936 | Jan 1, 2026 | $246,090 | $27,797 |
| DELTA DENTAL OF MICHIGAN | Dental | 2,821 | Jan 1, 2026 | $859,999 | $16,241 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 3,293 | Jan 1, 2026 | $1,406,683 | $15,349 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 3,966 | Jan 1, 2026 | $717,739 | $13,408 |
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | Life | 121 | Jan 1, 2026 | $78,481 | $11,398 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 586 | Jan 1, 2026 | $475,601 | $9,147 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | 3,518 | Jan 1, 2026 | $125,418 | $1,254 |
| BLUECROSS BLUESHIELD OF TENNESSEE, INC. | Health | 116 | Jan 1, 2026 | $905,702 | $0 |
| HIGHMARK INC. | Vision | 3,726 | Jan 1, 2026 | $204,780 | $0 |
Premium and claims on this contract
DELTA DENTAL OF MICHIGAN, contract 0003741. For the contract year on this filing, the carrier reported $859,999 in premium earned and $755,363 in claims incurred. Dividing one by the other gives 88%.
- DELTA DENTAL OF MICHIGAN, contract 0003741 reported $0 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.
Other plans filed by this employer
How this plan compares
Subscribers see how this compares with similar plans in Michigan. A subscription also adds this plan's filing history and the renewal calendar for its state. See plans and prices
Without an account you can open 10 employer, broker and carrier pages a day, including through an AI assistant, and 50 a day with a free account. Paid plans are what keep these records free to read.
Renewal calendar
1,931 other employer plans in Michigan are January 1 renewals (policy year ends December).
Their policy years end in December, like this plan’s, so most renew January 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
Claude & ChatGPT
Look up records from Claude or ChatGPT
Add Form5500Lookup to Claude or ChatGPT and ask about any employer, broker or carrier in plain English. Lookups are free. Renewal lists, full books of business and exports are included with a subscription.
Building a list or a tool from these records? Match a list you already have from $29 per 1,000 records, or license the whole dataset as a weekly file for $499 a month. See both
More employer plans in Michigan — largest plans, brokers, carriers and renewal months.