| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GERALD R ZACCARDELLI3 Filed as: GERALD R. ZACCARDELLI | P.O. BOX 8029 STERLING HEIGHTS, MI 483118029 | BLUE CARE NETWORK OF MICHIGAN | $34K | — | $34K | 8.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT | P.O. BOX 8029 STERLING HEIGHTS, MI 483118029 | BLUE CARE NETWORK OF MICHIGAN | — | $548 | $548 | 0.14% |
| GERALD R ZACCARDELLI3 Filed as: GERALD R. ZACCARDELLI | P.O. BOX 8029 STERLING HEIGHTS, MI 483118029 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $9K | — | $9K | 4.38% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN ROAD SOUTHFIELD, MI 480768076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 1.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT | P.O. BOX 8029 STERLING HEIGHTS, MI 483118029 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $80 | $80 | 0.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT | 35735 MOUND ROAD STERLING HEIGHTS, MI 48311 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $6K | 11.45% |
| LUCIDO MORRIS ASSOCIATES, LLC3 | 24255 W. 13 MILE ROAD BINGHAM FARMS, MI 48025 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $56 | — | $56 | 0.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 45 EAST AVENUE ROCHESTER, NY 14604 | INDEPENDENT HEALTH | $2K | — | $2K | 3.86% |
| THE SEGAL COMPANY3 Filed as: MARK Y. SEGEL | 3000 TOWN CENTER, STE. 3100 SOUTHFIELD, MI 480751216 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 13.20% |
| MMA SERVICE CORP5 Filed as: MMA SERVICE CORP. | 620 S. CAPITOL AVENUE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 4.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT | 35735 MOUND ROAD STERLING HEIGHTS, MI 48311 | SVS VISION MANAGED CARE, INC. | $555 | — | $555 | 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 | 140 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 87 | $641K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 66 | $52K |
| Vision | SVS VISION MANAGED CARE, INC. | 31 | $6K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 70 | $25K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 70 | $25K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 70 | $25K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 87 | $594K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 70 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 87 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.