Plan Ledger DOL Form 5500 · updated monthly

Spalding Dedecker Associates, Inc.benefits

Spalding Dedecker Associates, Inc. Flexible Spending Plan · ROCHESTER HILLS, MI · plan year 2025

Broker compensation reported · 2025
$94,267

Spalding Dedecker Associates, Inc.'s benefits plans covered 48 active participants in 2025, providing health · life · dental · vision · short-term disability · long-term disability · death benefits · other. Insurance premiums totaled $1,325,734. Insurance brokers and agents were paid $94,267 in commissions and fees, costs that ultimately come out of what the employer and employees pay for coverage. That works out to 7.1% of premiums. That is $1,964 per covered person, in the top 10% of employer plans that report broker pay. Brokers were paid 3.9x the $24,244 reported for 2024.

Insurance contracts · 20253
BLUE CROSS BLUE SHIELD OF MICHIGAN · health ppo$1.2M · 246 covered
BLUE CARE NETWORK OF MICHIGAN · health hmo$94K · 27 covered
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA · vision life ltdpremiums n/a · 158 covered
Brokers & agents paid · 20252
GREG LIPOSKY$59,763
HUB INTERNATIONAL MIDWEST LIMITED$34,504 · incl $10,255 fees

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Source: DOL Form 5500 Schedule A, plan year 2025, EIN 381598901 · Verify on EFAST2 · Amounts are as reported by the plan sponsor.