| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KRYSTN CLARK3 | 35735 MOUND ROAD STERLING HEIGHTS, MI 483108310 | BLUE CARE NETWORK OF MICHIGAN | $50K | — | $50K | 3.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT INC | 5250 CORPORATE DRIVE STE 200 TROY, MI 480988098 | BLUE CARE NETWORK OF MICHIGAN | — | $2K | $2K | 0.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT INC | 5250 CORPORATE DR STE 200 TROY, MI 480982644 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $3K | $8K | 4.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT INC | 5250 CORPORATE DR STE.200 TROY, MI 48098 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $2K | $14K | 16.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT INC | 5250 CORPORATE DR STE 200 TROY, MI 48098 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 25.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT INC | 5250 CORPORATE DRIVE STE 200 TROY, MI 480988098 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $730 | $5K | 11.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT INC | 5250 CORPORATE DR STE 200 TROY, MI 48098 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $511 | $3K | 9.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT INC | 5250 CORPORATE DR STE 200 TROY, MI 48098 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT INC | 5250 CORPORATE DR STE.200 TROY, MI 48098 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $387 | $49 | $436 | 16.92% |
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 | 346 | 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) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 305 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 500 | $200K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 392 | $20K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 86 | $28K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 120 | $83K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 317 | $40K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 305 | $1.6M |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 234 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 500 | — |
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."
No prospect flags tripped on this filing.