| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN D. CUMINGS3 | 35735 MOUND ROAD STERLING HEIGHTS, MI 48311 | BLUE CARE NETWORK OF MICHIGAN | $32K | $0 | $32K | 4.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MICHIGAN, INC. | 5250 CORPORATE DRIVE, SUITE 200 TROY, MI 48098 | BLUE CARE NETWORK OF MICHIGAN | $0 | $708 | $708 | 0.10% |
| KEVIN D. CUMINGS3 | 35735 MOUND ROAD STERLING HEIGHTS, MI 48311 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | $0 | $8K | 4.61% |
| 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 | $372 | $372 | 0.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MICHIGAN, INC. | 111 SOUTH LEROY STREET, SUITE 205 FENTON, MI 48430 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $2K | $12K | 18.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MICHIGAN, INC. | 1605 CONCENTRIC BOULEVARD, SUITE 2 SAGINAW, MI 48604 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $276 | $276 | 0.42% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 2734 NORTH MILDRED AVENUE, SUITE 3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $10 | $10 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MICHIGAN, INC. | 2851 CHARLEVOIX DRIVE SE GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 5.71% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC. | 500 CASCADE WEST PARKWAY GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $1K | $109 | $2K | 3.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | DELTA DENTAL OF MICHIGAN | $427 | — | $427 | 0.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MICHIGAN, INC. | 2851 CHARLEVOIX DRIVE SE, SUITE 220 GRAND RAPIDS, MI 49546 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 10.05% |
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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 92 | $851K |
| Dental | DELTA DENTAL OF MICHIGAN | 164 | $47K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 180 | $16K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 179 | $66K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 179 | $66K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 92 | $851K |
| Other(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 179 | $917K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.