| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHEN J HETTRICK3 | 35735 MOUND RD. STERLING HEIGHTS, MI 483118311 | BLUE CARE NETWORK OF MICHIGAN | $55K | — | $55K | 1.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT | PO BOX 8029 STERLING HEIGHTS, MI 483118029 | BLUE CARE NETWORK OF MICHIGAN | — | $16K | $16K | 0.30% |
| STEPHEN J HETTRICK3 Filed as: STEPHEN HETTRICK | 35735 MOUND RD. STERLING HEIGHTS, MI 483118311 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | — | $5K | 0.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC. | PO BOX 8029 STERLING HEIGHTS, MA 483118029 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.26% |
| STEVE HETTRICK3 | 35735 MOUND RD. STERLING HEIGHTS, MI 483104728 | DELTA DENTAL OF MICHIGAN | $10K | — | $10K | 2.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC. | 35735 MOUND RD. STERLING HEIGHTS, MI 483104728 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $3K | $25K | 9.09% |
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 | 577 | 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) | 577 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 961 | $6.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 1,100 | $329K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 577 | $271K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 577 | $271K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 577 | $271K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 961 | $6.0M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 577 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,100 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.