| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN DETROIT | 5250 CORPORATE DRIVE, SUITE 200 TROY, MI 48098 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $40K | $46K | 3.37% |
| MMA SERVICE CORP3 Filed as: MMA SERVICE CORPORATION | 620 SOUTH CAPITOL AVENUE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 5.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS, INC. | 5250 CORPORATE DRIVE, SUITE 200 TROY, MI 48098 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $305 | $4K | 3.47% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS, INC. | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $387 | $387 | 0.34% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS, INC. | 5250 CORPORATE DRIVE, SUITE 200 TROY, MI 48098 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $0 | $8K | 9.94% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS, INC. | 1200 NORTH MAYFAIR ROAD, SUITE 100 MILWAUKEE, WI 53226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.37% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS, INC. | PO BOX 746567 ATLANTA, GA 30374 | VISION SERVICE PLAN | $1K | — | $1K | 5.20% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS, INC. | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 22.52% |
| INTERNATIONAL CHAMBERS GROUP INC4 Filed as: INTERNATIONAL CHAMBERS GROUP, INC. | 7726 SQUIRREL RUN MAINEVILLE, OH 45039 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $882 | — | $882 | 13.61% |
| BROWN & BROWN INSURANCE SERVICES4 Filed as: BROWN & BROWN INSURANCE SVCS, INC. | PO BOX 746567 ATLANTA, GA 30374 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $549 | — | $549 | 8.47% |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 287 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 331 | $114K |
| Vision | VISION SERVICE PLAN | 118 | $24K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 167 | $76K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 167 | $76K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 167 | $76K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 287 | $1.4M |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 167 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.