| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CENTRAL MI | 1605 CONCENTRIC BLVD STE1 SAGINAW, MI 486049547 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $81K | $8K | $89K | 0.74% |
| SPECTRUM BENEFITS LLC7 | 721 THREE MILE RD STE 150 GRAND RAPIDS, MI 49544 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $727 | $0 | $727 | 14.99% |
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 | 946 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 76 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,022 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,816 | $12.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 2,125 | $738K |
| Vision | EYEMED VISION CARE | 1,695 | $79K |
| Life insurance(2 contracts, 2 carriers) | FARM BUREAU LIFE INSURANCE COMPANY OF MICHIGAN | 1,000 | $873K |
| Long-term disability | PRUDENTIAL | 930 | $360K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,816 | $12.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,125 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.