| 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 | $19K | — | $19K | 4.21% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN ROAD SOUTHFIELD, MI 48706 | BLUE CARE NETWORK OF MICHIGAN | $3K | — | $3K | 0.75% |
| 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 | — | $378 | $378 | 0.08% |
| GERALD R ZACCARDELLI3 Filed as: GERALD R. ZACCARDELLI | P.O. BOX 8029 STERLING HEIGHTS, MI 483118029 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $10K | — | $10K | 4.49% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN ROAD SOUTHFIELD, MI 480768076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 0.87% |
| 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 | — | $144 | $144 | 0.06% |
| THE SEGAL COMPANY3 Filed as: MARK YALE SEGEL | 3000 TOWN CENTER, STE 3100 SOUTHFIELD, MI 480751216 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 12.96% |
| MMA SERVICE CORP3 | 620 S CAPITOL AVE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| 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. | $636 | — | $636 | 9.99% |
| 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 | $4K | $4K | $7K | — |
| LIFETIME FINANCIAL GROWTH OF MICHIG3 | 24255 W. 13 MILE ROAD, SUITE 250 BINGHAM FARMS, MI 48025 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $70 | $70 | — |
| LUCIDO MORRIS ASSOCIATES, LLC3 | 24255 W. 13 MILE ROAD BINGHAM FARMS, MI 48025 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $55 | — | $55 | — |
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 | 147 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 147 | 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 | $717K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 72 | $0 |
| Vision | SVS VISION MANAGED CARE, INC. | 37 | $6K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 75 | $26K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 75 | $26K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 75 | $26K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 87 | $676K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 75 | $26K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.