| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT M. SETTLE3 | 21322 EQUESTRIAN TRAIL NORTHVILLE, MI 48167 | PRIORITY HEALTH INSURANCE COMPANY | $95K | $0 | $95K | 2.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $78K | $36K | $114K | 21.90% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | $10K | $45K | 9.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TENNESSEE, INC. | 6 CADILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37027 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.41% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6 | $6 | 0.00% |
| USI INSURANCE SERVICES LLC3 | 2600 WEST BIG BEAVER ROAD SUITE 140 TROY, MI 48084 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $5K | $16K | 28.03% |
| PAYCOR INC3 Filed as: PAYCOR, INC. | PO BOX 639860 CINCINNATI, OH 45212 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.00% |
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 | 852 | 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) | 852 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 758 | $6.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 944 | $478K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 944 | $478K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 852 | $521K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 852 | $521K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 852 | $521K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 758 | $6.1M |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 852 | $577K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 944 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.