| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN | 5250 CORPORATE DRIVE TROY, MI 48098 | TOKIO MARINE HCC - STOP LOSS GROUP | $26K | — | $26K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF DETROIT | 5250 CORPORATE DR STE 200 TROY, MI 48098 | THE HARTFORD | $8K | — | $8K | 7.05% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF FLORIDA | 100 RAIL TO PLACE STE 900 MELBOURNE, FL 32901 | THE HARTFORD | $2K | — | $2K | 1.33% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF DETROIT | 35735 MOUND ROAD STERLING HEIGHTS, MI 48311 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | — | $3K | 4.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT INC | PO BOX 8029 STERLING HEIGHTS, MI 48311 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $523 | $10K | 21.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT INC | PO BOX 8029 STERLING HEIGHTS, MI 48311 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF DETROIT | PO BOX 8029 STERLING HEIGHTS, MI 48311 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $476 | $6K | 20.39% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN | 35735 MOUND ROAD STERLING HEIGHTS, MI 48311 | BLUE CARE NETWORK OF MICHIGAN | $945 | — | $945 | 3.87% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF DETROIT INC | 35735 MOUND RD STERLING HEIGHTS, MI 48311 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYE MED) | $2K | — | $2K | 10.01% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF DETROIT | PO BOX 8029 STERLING HEIGHTS, MI 48311 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2 | $2K | 16.12% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF DETROIT | 5250 CORPORATE DR STE 200 TROY, MI 48098 | METLIFE | $1K | $292 | $1K | 10.38% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN | 35735 MOUND ROAD STERLING HEIGHTS, MI 48310 | FIDELITY SECURITY LIFE INSURANCE (EYEMED) | $517 | — | $517 | 10.79% |
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 | 419 | 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) | 419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | MERITIAN HEALTH | 167 | $288K |
| Dental(2 contracts, 2 carriers) | MERITIAN HEALTH | 167 | $199K |
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYE MED) | 184 | $21K |
| Short-term disability(3 contracts, 2 carriers) | THE HARTFORD | 257 | $179K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC - STOP LOSS GROUP | 167 | $524K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.