| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT SETTLE3 | 2600 WEST BIG BEAVER ROAD SUITE 140 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $26K | $0 | $26K | 2.97% |
| ANGELA GARNER3 Filed as: ANGELA L. GARNER | 1605 CONCENTRIC BOULEVARD, SUITE 1 SAGINAW, MI 48604 | BLUE CARE NETWORK OF MICHIGAN | $21K | $0 | $21K | 2.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CENTRAL MI, INC. | 1605 CONCENTRIC BOULEVARD SUITE 2 SAGINAW, MI 48604 | BLUE CARE NETWORK OF MICHIGAN | $0 | $848 | $848 | 0.10% |
| SCOTT SETTLE3 | 2600 WEST BIG BEAVER ROAD SUITE 140 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $11K | $0 | $11K | 2.96% |
| ANGELA GARNER3 Filed as: ANGELA L. GARNER | 1605 CONCENTRIC BOULEVARD, SUITE 1 SAGINAW, MI 48604 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $7K | $0 | $7K | 1.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CENTRAL MI, INC. | 1605 CONCENTRIC BOULEVARD SUITE 2 SAGINAW, MI 48604 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $715 | $715 | 0.20% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 2.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CENTRAL MI, INC. | 1605 CONCETRIC BOULEVARD SAGINAW, MI 48604 | DELTA DENTAL OF MICHIGAN | $1K | $0 | $1K | 2.04% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $4K | $876 | $4K | 7.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CENTRAL MI, INC. | 1605 CONCENTRIC BOULEVARD SUITE 2 SAGINAW, MI 48604 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 3.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. SRVS, INC. | 100 RIALTO PLACE, SUITE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 1.81% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 240 | $1.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 236 | $68K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 240 | $366K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 115 | $57K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 115 | $57K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 240 | $1.2M |
| Other | HARTFORD LIFE AND ACCIDENT | 115 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.