| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHEN J HETTRICK3 | 35735 MOUND RD STERLING HEIGHTS, MI 483118311 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $26K | — | $26K | 1.29% |
| REBECCA A MCLAUGHLAN3 Filed as: REBECCA A MCLAUGHLN | 3331 W BIG BEAVER STE 200 TROY, MI 480848084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | — | $5K | 0.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT INC | 35735 MOUND RD STERLING HEIGHTS, MI 483108310 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $3K | $3K | 0.13% |
| STEPHEN J HETTRICK3 | 35735 MOUND RD STERLING HEIGHTS, MI 483118311 | BLUE CARE NETWORK OF MICHIGAN | $6K | — | $6K | 1.31% |
| REBECCA A MCLAUGHLAN3 Filed as: REBECCA A MCLAUGHLIN | 3331 W BIG BEAVER RD STE 200 TROY, MI 480848084 | BLUE CARE NETWORK OF MICHIGAN | $1K | — | $1K | 0.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT INC | 35735 MOUND RD STERLING HEIGHTS, MI 483118311 | BLUE CARE NETWORK OF MICHIGAN | — | $888 | $888 | 0.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT INC | 35735 MOUND RD STERLING HEIGHTS, MI 483104728 | METROPOLITAN LIFE INSURANCE CO | $3K | $636 | $3K | 2.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH A MARSH MCLENNAN A | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 480842814 | METROPOLITAN LIFE INSURANCE CO | $704 | — | $704 | 0.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE, STE 2400 PARK 80, PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE CO | — | $53 | $53 | 0.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF DETROIT | 35735 MOUND RD STERLING HEIGHTS, MI 483118311 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | $2K | $6K | 5.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W BIG BEAVER TROY, MI 48084 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | — | $3K | 3.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT INC | 35735 MOUND RD STERLING HEIGHTS, MI 483118311 | RELIANCE STANDARD | $2K | — | $2K | 4.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W BIG BEAVER SUITE 200 TROY, MI 480842814 | RELIANCE STANDARD | $909 | — | $909 | 1.66% |
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 | 321 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 394 | $2.5M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE CO | 415 | $175K |
| Vision | RELIANCE STANDARD | 222 | $55K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 177 | $102K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 177 | $102K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 177 | $102K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 394 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 415 | — |
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."
No prospect flags tripped on this filing.