| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN D. CUMINGS3 | 35735 MOUND ROAD STERLING HEIGHTS, MI 48310 | BLUE CARE NETWORK OF MICHIGAN | $42K | $0 | $42K | 4.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE SERVICE | 5250 CORPORATE DRIVE, SUITE 200 TROY, MI 48098 | BLUE CARE NETWORK OF MICHIGAN | $0 | $1K | $1K | 0.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. SERVICE, INC. | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | DELTA DENTAL OF MICHIGAN | $3K | $0 | $3K | 5.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MICHIGAN, INC. | 2851 CHARLEVOIX DRIVE SE GRAND RAPIDS, FL 49546 | DELTA DENTAL OF MICHIGAN | $383 | $0 | $383 | 0.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. SERVICE, INC. | 2851 CHARLEVOIX DRIVE SE, SUITE 220 GRAND RAPIDS, MI 49546 | VISION SERVICE PLAN | $648 | $0 | $648 | 5.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICE | 2851 CHARLEVOIX DRIVE SE, SUITE 220 GRAND RAPIDS, MI 49546 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $573 | $100 | $673 | 10.70% |
| STRATEGIC NON-MEDICAL SOLUTION3 | PO BOX 746600 ATLANTA, MA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $287 | $287 | 4.56% |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 123 | $937K |
| Dental | DELTA DENTAL OF MICHIGAN | 130 | $51K |
| Vision | VISION SERVICE PLAN | 100 | $12K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 165 | $6K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 123 | $937K |
| Other(3 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 165 | $943K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.