| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES, INC. | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 2.99% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES, INC. | 2851 CHARLEVOIX DRIVE SE, SUITE 220 GRAND RAPIDS, MI 49546 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $0 | $15K | 15.00% |
| STRATEGIC NON-MEDICAL SLTNS LLC3 Filed as: STRATEGIC NON-MEDICAL SLTNS, LLC | ONE BEACON STREET, SUITE 17100 BOSTON, MA 02108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 4.21% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF CNTRL MI, INC. | 1605 CONCENTRIC BOULEVARD, SUITE 2 SAGINAW, MI 48604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES, INC. | 11220 ASSETT LOOP, SUITE 304 MANASSAS, VA 20109 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.85% |
| STRATEGIC NON-MEDICAL SLTNS LLC3 Filed as: STRATEGIC NON-MEDICAL SLTONS, LLC | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | VISION SERVICE PLAN | $2K | — | $2K | 4.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES, INC. | 2851 CHARLEVOIX DRIVE SE, SUITE 220 GRAND RAPIDS, MI 49546 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.51% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $575 | — | $575 | 1.04% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 302 | $2.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 532 | $180K |
| Vision | VISION SERVICE PLAN | 198 | $56K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 258 | $97K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 258 | $97K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 302 | $2.0M |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 302 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 532 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.