| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MICHIGAN, INC. | 5250 CORPORATE DRIVE, SUITE 200 TROY, MI 48098 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | $0 | $21K | 4.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MICHIGAN, INC. | 5250 CORPORATE DRIVE, SUITE 200 TROY, MI 48098 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 16.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF VIRGINIA, INC. | 11220 ASSET LOOP, SUITE 304 MANASSAS, VA 20109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $479 | $479 | 0.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MICHIGAN, INC. | 5250 CORPORATE DRIVE, SUITE 200 TROY, MI 48098 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 6.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MICHIGAN, INC. | 5250 CORPORATE DRIVE, SUITE 200 TROY, MI 48098 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $631 | $0 | $631 | 9.98% |
| EVETTE SUSAN KENDZIERSKI3 | 22596 CLEARWATER DRIVE MACOMB, MI 48044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $196 | $7 | $203 | 3.21% |
| W F HILL AND ASSOCIATES INC3 Filed as: W. F. HILL AND ASSOCIATES, INC. | 30700 TELEGRAPH ROAD, SUITE 2620 BINGHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | $4 | $95 | 1.50% |
| CHARLES ALLEN PINKERTON3 | 2653 CADES COVE BRIGHTON, MI 48114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | $0 | $56 | 0.89% |
| ROBIN W BASIL3 Filed as: ROBIN W. BASIL | 30700 TELEGRAPH ROAD, SUITE 2620 BINHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $3 | $52 | 0.82% |
| KAREN LYNN JOHNSTON3 | 20553 EMMETT STREET TAYLOR, MI 48180 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.14% |
| DIANNA LYNN ATCHISON3 | 225 EAST DIVISION STREET ROCKFORD, MI 49341 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MICHIGAN, INC. | 5250 CORPORATE DRIVE, SUITE 200 TROY, MI 48098 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $364 | $0 | $364 | 8.37% |
| COSTAFF BENEFIT SERVICES INC3 Filed as: COSTAFF BENEFIT SERVICES | 26555 EVERGREEN ROAD, SUITE 1070 SOUTHFIELD, MI 48076 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $70 | — | $70 | 1.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MICHIGAN, INC. | 5250 CORPORATE DRIVE, SUITE 200 TROY, MI 48098 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $107 | $0 | $107 | 10.90% |
| CHARLES ALLEN PINKERTON3 | 2653 CADES COVE BRIGHTON, MI 48114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 2.14% |
| ROBIN W BASIL3 Filed as: ROBIN W. BASIL | 30700 TELEGRAPH ROAD, SUITE 2620 BINHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 1.12% |
| W F HILL AND ASSOCIATES INC3 Filed as: W. F. HILL AND ASSOCIATES, INC. | 30700 TELEGRAPH ROAD, SUITE 2620 BINGHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.71% |
| BALLARD FINANCIAL LLC3 | 17441 MADISON STREET SOUTHFIELD, MI 48076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.61% |
| EVETTE SUSAN KENDZIERSKI3 | 22596 CLEARWATER DRIVE MACOMB, MI 48044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.41% |
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 | 88 | 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) | 88 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 88 | $474K |
| Dental | DELTA DENTAL OF MICHIGAN | 76 | $29K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 73 | $4K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 37 | $48K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 37 | $48K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 37 | $48K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 37 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 88 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.