| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MICHIGAN, INC. | 5250 CORPORATE DRIVE, SUITE 200 TROY, MI 48098 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $12K | 11.62% |
| COMPREHENSIVE BENEFITS INC3 Filed as: COMPREHENSIVE BENEFITS, INC. | 26555 EVERGREEN, SUITE 535 SOUTHFIELD, MI 48076 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24 | $0 | $24 | 0.02% |
| ENROLL FORCE, LLC3 | 503 FORREST PARK COURT HUNTSVILLE, AL 35806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8 | $0 | $8 | 0.01% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES, INC. | 8630 DELMAR AVENUE, SUITE 100 SAINT LOUIS, MO 63124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3 | $0 | $3 | 0.00% |
| KRYSTN CLARK3 | 35735 MOUND ROAD STERLING HEIGHTS, MI 48311 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $12K | $0 | $12K | 15.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MICHIGAN, INC. | 5250 CORPORATE DRIVE, SUITE 200 TROY, MI 48098 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $2K | $2K | 1.90% |
| ENROLL FORCE, LLC3 | 503 FORREST PARK COURT HUNTSVILLE, AL 35806 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $163 | $0 | $163 | 2.08% |
| COMPREHENSIVE BENEFITS INC3 Filed as: COMPREHENSIVE BENEFITS, INC. | 26555 EVERGREEN, SUITE 535 SOUTHFIELD, MI 48076 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $98 | $0 | $98 | 1.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MICHIGAN, INC. | 5250 CORPORATE DRIVE, SUITE 200 TROY, MI 48098 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $91 | $0 | $91 | 1.16% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES, INC. | 8630 DELMAR AVENUE, SUITE 100 SAINT LOUIS, MO 63124 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $59 | $0 | $59 | 0.75% |
| ASSUREDPARTNERS3 | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.17% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 199 | $79K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 199 | $79K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 137 | $109K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 137 | $101K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 137 | $101K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 137 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.