| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEOHEN J. HETTRICK3 | 35735 MOUND ROAD STERLING HEIGHTS, MI 48311 | BLUE CARE NETWORK OF MICHIGAN | $21K | $0 | $21K | 1.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF DETROIT, INC. | PO BOX 8029 STERLING HEAIGHTS, MI 48311 | BLUE CARE NETWORK OF MICHIGAN | $0 | $2K | $2K | 0.19% |
| MELISSA ARMATIS3 | 3099 BIDDLE, SUITE 3 WYANDOTTE, MI 48192 | BLUE CARE NETWORK OF MICHIGAN | $1K | $0 | $1K | 0.10% |
| STEOHEN J. HETTRICK3 | 35735 MOUND ROAD STERLING HEIGHTS, MI 48311 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $20K | $0 | $20K | 1.83% |
| MELISSA ARMATIS3 | 3099 BIDDLE, SUITE 3 WYANDOTTE, MI 48192 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | $0 | $2K | 0.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF DETROIT, INC. | PO BOX 8029 STERLING HEAIGHTS, MI 48311 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $986 | $986 | 0.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF DETROIT, INC. | 35735 MOUND ROAD STERLING HEIGHTS, MI 48311 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $36K | $730 | $37K | 12.55% |
| ASSUREDPARTNERS3 | 3099 BIDDLE AVENUE WYANDOTTE, MI 48192 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 1.39% |
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 | 760 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 767 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 589 | $2.4M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 778 | $1.4M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 778 | $1.4M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 778 | $291K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 778 | $291K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 778 | $291K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 589 | $2.4M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 778 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 778 | — |
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.