| 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 | — | — | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF DETROIT | 5250 CORPORATE DR STE 200 TROY, MI 48098 | THE HARTFORD | $9K | — | $9K | 7.52% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF FLORIDA | 100 RAIL TO PLACE STE 900 MELBOURNE, FL 32901 | THE HARTFORD | $415 | — | $415 | 0.36% |
| 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 | $4K | — | $4K | 4.61% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN | 35735 MOUND ROAD STERLING HEIGHTS, MI 48311 | BLUE CARE NETWORK OF MICHIGAN | $4K | — | $4K | 4.53% |
| 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 | $7K | $182 | $8K | 17.80% |
| 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 | $3K | $56 | $3K | 13.61% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF DETROIT | 5250 CORPORATE DR STE 200 TROY, MI 48098 | METLIFE | $1K | $313 | $2K | 8.94% |
| 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 | 9.60% |
| 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 | — | $2K | 15.06% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN | 35735 MOUND ROAD STERLING HEIGHTS, MI 48310 | FIDELITY SECURITY LIFE INSURANCE (EYEMED) | $502 | — | $502 | 9.86% |
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 | 500 | 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) | 500 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | MERITIAN HEALTH | 194 | $380K |
| Dental(2 contracts, 2 carriers) | MERITIAN HEALTH | 194 | $211K |
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYE MED) | 230 | $21K |
| Short-term disability(3 contracts, 2 carriers) | THE HARTFORD | 316 | $173K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC - STOP LOSS GROUP | 167 | $530K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.