| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF DETROIT INC | 35735 MOUND ROAD STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS AGENCY OF VA | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.17% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP | 210 SIXTH AVENUE PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $534 | — | $534 | 1.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF DETROIT INC | 35735 MOUND ROAD STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 11.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS AGENCY OF VA | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 7.40% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP | 210 SIXTH AVENUE PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $514 | — | $514 | 3.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN | 35735 MOUND ROAD STERLING HEIGHTS, MI 48310 | EYEMED | $1K | — | $1K | 9.22% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP | 210 SIXTH AVENUE PITTSBURGH, PA 15222 | EYEMED | $112 | — | $112 | 0.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 BENEFIT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $9K |
| BROWN & BROWN OF DETROIT, INC. | Insurance agents and brokers Service code 22 | — | $1K |
| THE HDH GROUP, INC | Insurance agents and brokers Service code 22 | — | $559 |
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 | 424 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED | 304 | $13K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 68 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.