| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KRYSTN CLARK3 | 35735 MOUND ROAD STERLING HEIGHTS, MI 48310 | PRIORITY HEALTH | $82K | $0 | $82K | 2.99% |
| KRYSTN E. CLARK3 | 35735 MOUND ROAD STERLING HEIGHTS, MI 48310 | PRIORITY HEALTH INSURANCE COMPANY | $20K | $0 | $20K | 3.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MICHIGAN, INC. | 5250 CORPORATE DRIVE, SUITE 200 TROY, MI 48098 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | $4K | $38K | 12.16% |
| 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 | $16K | $0 | $16K | 6.14% |
| MICHIGAN CHAMBER SERVICES, INC.3 | 600 SOUTH WALNUT STREET LANSING, MI 48933 | DELTA DENTAL OF MICHIGAN | $10K | $0 | $10K | 3.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF GEORGIA, INC. | PO BOX 746567 ATLANTA, GA 30374 | VISION SERVICE PLAN | $5K | $0 | $5K | 9.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MICHIGAN, INC. | 5250 CORPORATE DRIVE, SUITE 200 TROY, MI 48098 | UNUM INSURANCE COMPANY | $6K | $709 | $7K | 16.75% |
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 | 475 | 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) | 475 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 421 | $3.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 532 | $261K |
| Vision | VISION SERVICE PLAN | 272 | $54K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 475 | $312K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 475 | $312K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 475 | $312K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH | 421 | $3.4M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 475 | $353K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 532 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.