| 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 RD STERLING HEIGHTS, MI 48310 | AETNA | $2K | $0 | $2K | 3.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF DETROIT INC | 35735 MOUND RD STERLING HEIGHTS, MI 483104728 | METLIFE | $2K | $145 | $2K | 6.68% |
| EUGENE LAVASCO3 | 35735 MOUND RD STERLING HEIGHTS, MI 483118029 | HEALTH PARTNERS | — | $741 | $741 | 2.96% |
| GERALD R ZACCARDELLI3 Filed as: GERALD ZACCARDELLI | 35735 MOUND RD STERLING HEIGHTS, MI 483118029 | HEALTH PARTNERS | — | $74 | $74 | 0.30% |
| MASON-MCBRIDE INC3 Filed as: MASON-MCBRIDE | 3290 W BIG BEAVER NO 503 TROY, MI 480842917 | FEDERATED INSURANCE COMPANY | $952 | $19 | $971 | 15.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF DETROIT INC | 35735 MOUND RD STERLING HEIGHTS, MI 483118029 | BLUE CARE NETWORK OF MICHIGAN | $17K | $0 | $17K | — |
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 | 70 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 70 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA | 62 | $91K |
| Dental | METLIFE | 70 | $30K |
| Life insurance | FEDERATED INSURANCE COMPANY | 1 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 70 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.