| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHEN J HETTRICK3 | 35735 MOUND ROAD STERLING HEIGHTS, MI 48311 | BLUE CARE NETWORK OF MICHIGAN | $26K | — | $26K | 1.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT | 35735 MOUND ROAD STERLING HEIGHTS, MI 48311 | BLUE CARE NETWORK OF MICHIGAN | — | $244 | $244 | 0.01% |
| STEPHEN J HETTRICK3 | 35737 MOUND ROAD STERLING HEIGHTS, MI 483118311 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $15K | — | $15K | 1.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC. | 35737 MOUND ROAD STERLING HEIGHTS, MI 48311 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $190 | $190 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT INC. | 35735 MOUND RD STERLING HEIGHTS, MI 48310 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 4.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC. | 35735 MOUND RD. STERLING HEIGHTS, MI 483104728 | VISION SERVICE PLAN | $1K | — | $1K | 4.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC. | 35735 MOUND RD STERLING HEIGHTS, MI 48311 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $661 | — | $661 | 19.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC. | 35735 MOUND RD STERLING HEIGHTS, MI 48311 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $264 | — | $264 | 15.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT INC. | 35735 MOUND RD STERLING HEIGHTS, MI 48311 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $151 | — | $151 | 19.95% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $82 | $1 | $83 | 16.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC. | 35735 MOUND RD. STERLING HEIGHTS, MA 48311 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $63 | — | $63 | 12.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT INC | 35735 MOUND ROAD STERLING HEIGHTS, MI 48311 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $153 | — | $153 | 50.66% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1 | $1 | 0.33% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 396 | $3.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 548 | $159K |
| Vision | VISION SERVICE PLAN | 297 | $28K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 174 | $4K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 0 | $2K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 396 | $3.1M |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 174 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 548 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.