| 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 ROAD PO BOX 6029 STERLING HEIGHTS, MI 48311 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26K | $10K | $35K | 6.04% |
| MATTAR FINANCIAL CORP3 | 5750 NEW KING DRIVE TROY, MI 48098 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 2.43% |
| STEPHEN J HETTRICK3 Filed as: STEPHEN HETTRICK | 35735 MOUND ROAD STERLING HEIGHTS, MI 48311 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $10K | $21K | $31K | 7.96% |
| STEVE T MATTAR3 Filed as: STEVE MATTAR | 5750 NEW KING ST S-310 TROY, MI 48098 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | $14K | $19K | 4.73% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF DETROIT INC | PO BOX 8029 STERLING HEIGHTS, MI 49311 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $4K | $4K | 1.06% |
| SHERRIE HUMPHRY3 | 28 1ST ST MT CLEMENS, MI 48043 | AFLAC | $13K | $389 | $13K | 11.04% |
| DORIAN J MOORE3 Filed as: DORIAN MOORE | 429 LIVERNOIS ST STE 201 FERNDALE, MI 48220 | AFLAC | $2K | $44 | $2K | 1.92% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER SOCHA | 35520 ALTON CT CLINTON TOWNSHIP, MI 48035 | AFLAC | $2K | $0 | $2K | 1.42% |
| JENNIFER GRIFFIN3 | 32419 HOLDEN DR WARREN, MI 48092 | AFLAC | $2K | $44 | $2K | 1.28% |
| KACY A GRUENKEMEYER3 Filed as: KACY GRUENKEMEYER | 11116 AURORA AVE URBANDALE, IA 50322 | AFLAC | $1K | $0 | $1K | 1.13% |
| THOMAS DANKO3 | 51110 SHADOW RIDGE DR MACOMB, MI 48042 | AFLAC | $1K | $0 | $1K | 0.89% |
| KAREN PICCININI3 Filed as: KAREN SMYK | 22260 WINSHALL ST ST CLAIR SHORES, MI 48081 | AFLAC | $739 | $0 | $739 | 0.61% |
| LEONARD DIGIUSEPPE3 | 37164 27 MILE RD LENOX, MI 48048 | AFLAC | $732 | $0 | $732 | 0.60% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DR STE 150 OKEMOS, MI 48864 | AFLAC | $461 | $71 | $532 | 0.44% |
| ROBERT STRYE3 | 20470 PICADILLY RD DETROIT, MI 48221 | AFLAC | $467 | $33 | $500 | 0.41% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES SNIDER | 2461 W STATE ROAD 426 STE 2061 OVIEDO, FL 32765 | AFLAC | $110 | $34 | $144 | 0.12% |
| EVELYN WASHCHUK3 | 28 1ST ST MOUNT CLEMENS, MI 48043 | AFLAC | $60 | $0 | $60 | 0.05% |
| SUE HARTLEY-WHEELER3 | 57283 DECORA PARK BLVD NEW HAVEN, MI 48048 | AFLAC | $58 | $0 | $58 | 0.05% |
| SUSAN MAE DANIEL3 Filed as: SUSAN TAORMINA | 28 1ST ST MOUNT CLEMENS, MI 48043 | AFLAC | $23 | $0 | $23 | 0.02% |
| SHARI ROBINSON POWERS3 | 31201 CHICAGO ROAD S STE A-103 WARREN, MI 48093 | AFLAC | $21 | $0 | $21 | 0.02% |
| IAN A BURT3 Filed as: IAN BURT | 769 CHICAGO RD 3RD FLOOR TROY, MI 48083 | AFLAC | $11 | $0 | $11 | 0.01% |
| STEPHEN GRACIN3 | 625 E BIG BEAVER RD STE 103 TROY, MI 48083 | AFLAC | $7 | $0 | $7 | 0.01% |
| ALAN BERGMANN3 | 284 TWIN PONDS DR OKEMOS, MI 48864 | AFLAC | $4 | $0 | $4 | 0.00% |
| SPAZ AND GLAUB ENTERPRISES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $4 | $0 | $4 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN | 35735 MOUND RD STERLING HEIGHTS, MI 48310 | SVS VISION MANAGED CARE INC. | $4K | $0 | $4K | 10.00% |
| CORPORATE BENEFIT SOLUTIONS3 | 5750 NEW KING DRIVE TROY, MI 48098 | SVS VISION MANAGED CARE INC. | $802 | — | $802 | 2.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance services; Float revenue; Other fees; Claims processing; Direct payment from the plan; Contract Administrator; Consulting (general) Service code 12 | 600 E LAFAYETTE BLVD DETROIT, MI 48226 | $328K |
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 | 510 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 510 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 558 | $583K |
| Vision | SVS VISION MANAGED CARE INC. | 203 | $35K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 558 | $583K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 558 | $704K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 558 | $583K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 480 | $393K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 480 | $393K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 558 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.