| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT | P.O. BOX 8029 STERLING HEIGHTS, MI 48311 | BLUE CARE NETWORK OF MICHIGAN | $17K | — | $17K | 4.35% |
| GERALD R ZACCARDELLI3 Filed as: GERALD R. ZACCARDELLI | P.O. BOX 8029 STERLING HEIGHTS, MI 48311 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $9K | — | $9K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT | 35735 MOUND ROAD, P.O. BOX 8029 STERLING HEIGHTS, MI 48311 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $4K | $7K | 12.62% |
| LUCIDO MORRIS ASSOCIATES, LLC3 | 24255 W. 13 MILE ROAD, SUITE 250 BINGHAM FARMS, MI 48025 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $55 | — | $55 | 0.11% |
| THE SEGAL COMPANY3 Filed as: MARK Y. SEGEL | 4250 MCNAY COURT NORTH W. BLOOMFIELD, MI 48323 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 10.00% |
| THE SEGAL COMPANY3 Filed as: MARK Y. SEGEL | 3000 TOWN CENTER, STE. 3100 SOUTHFIELD, MI 480751216 | METROPOLITAN LIFE INSURANCE COMPANY | $916 | — | $916 | 10.88% |
| MMA SERVICE CORP5 Filed as: MMA SERVICE CORP. | 620 S. CAPITOL AVENUE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE COMPANY | — | $400 | $400 | 4.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT | 35735 MOUND ROAD, P.O. BOX 8029 STERLING HEIGHTS, MI 48311 | SVS VISION MANAGED CARE, INC. | $574 | — | $574 | 10.00% |
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 | 130 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 99 | $630K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 62 | $52K |
| Vision | SVS VISION MANAGED CARE, INC. | 34 | $6K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 76 | $28K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 76 | $28K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 76 | $28K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 99 | $399K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 99 | — |
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.