| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KRYSTN CLARK3 | 35735 MOUND ROAD STERLING HEIGHTS, MI 483108310 | BLUE CARE NETWORK OF MICHIGAN | $46K | — | $46K | 2.93% |
| 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 | $2K | $7K | 4.07% |
| 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 | $10K | — | $10K | 15.00% |
| 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 | $3K | — | $3K | 11.70% |
| 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 | — | $2K | 8.19% |
| 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 | $1K | — | $1K | 7.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 300 N BEACH STREET DAYTONA BEACH, FL 32114 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $476 | — | $476 | 2.42% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF DETROIT INC | 5250 CORPORATE DR STE 200 TROY, MI 48098 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $749 | $4K | 30.01% |
| 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 | $3K | $537 | $3K | 30.00% |
| 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 | $2K | $378 | $2K | 30.00% |
| 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 | $325 | — | $325 | 15.00% |
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 | 324 | 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) | 324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 292 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 479 | $166K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 379 | $20K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 82 | $23K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 124 | $77K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 320 | $30K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 292 | $1.6M |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 258 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 479 | — |
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.