| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN D. CUMINGS3 Filed as: KEVIN D CUMINGS | 35735 MOUND ROAD STERLING HEIGHTS, MI 48310 | BLUE CARE NETWORK OF MICHIGAN | $21K | — | $21K | 2.72% |
| BUITEN AND ASSOCIATES, LLC3 | 5738 FOREMOST DR SE GRAND RAPIDS, MI 49546 | BLUE CARE NETWORK OF MICHIGAN | — | $2K | $2K | 0.20% |
| KEVIN D. CUMINGS3 Filed as: KEVIN D CUMINGS | 35735 MOUND ROAD STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | — | $4K | 9.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MICHIGAN | 1190 TORREY RD FENTON, MI 48430 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BRORN & BROWN INS AGENCY OF VA, INC | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $820 | $820 | 5.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MICHIGAN | 1190 TORREY RD FENTON, MI 48430 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA, INC | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $982 | $982 | 6.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MICHIGAN | 1190 TORREY RD FENTON, MI 48430 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA, INC | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $554 | $554 | 5.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MICHIGAN | 1190 TORREY RD FENTON, MI 48430 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA, INC | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $307 | $307 | 4.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA, INC | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $366 | $366 | 8.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MICHIGAN | 1190 TORREY RD FENTON, MI 48430 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $227 | — | $227 | 4.99% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 122 | $782K |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 152 | $50K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 152 | $50K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 54 | $15K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 41 | $16K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 16 | $5K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 122 | $782K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 54 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.