| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GERALD R ZACCARDELLI3 | 35735 MOUND RD PO BOX 8029 STERLING HEIGHTS, MI 48311 | BLUE CARE NETWORK OF MICHIGAN | $49K | — | $49K | 4.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF DETROIT, INC. | 35735 MOUND RD PO BOX 8029 STERLING HEIGHTS, MI 48311 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.09% |
| GERALD R ZACCARDELLI3 | 35735 MOUND RD PO BOX 8029 STERLING HEIGHTS, MI 48311 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $9K | — | $9K | 2.19% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD STE 400 SOUTHFIELD, MI 48076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | — | $3K | 0.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF DETROIT, INC. | 35735 MOUND RD PO BOX 8029 STERLING HEIGHTS, MI 48311 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $57 | $57 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF DETROIT, INC. | 35735 MOUND RD PO BOX 8029 STERLING HEIGHTS, MI 48311 | GUARDIAN | $10K | — | $10K | 8.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF DETROIT, INC. | 35735 MOUND RD PO BOX 8029 STERLING HEIGHTS, MI 48311 | GUARDIAN | — | $6K | $6K | 5.10% |
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 | 380 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 337 | $1.5M |
| Dental | GUARDIAN | 192 | $119K |
| Life insurance | GUARDIAN | 192 | $119K |
| Short-term disability | GUARDIAN | 192 | $119K |
| Long-term disability | GUARDIAN | 192 | $119K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 337 | $1.1M |
| Other | GUARDIAN | 192 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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.