| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERITAIN HEALTH3 Filed as: AETNA LIFE INSURANCE COMPANY | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | AETNA LIFE INSURANCE COMPANY | — | $725K | $725K | 3.52% |
| NATIONAL UNION FIRE INSURANCE CO3 Filed as: NATIONAL UNION FIRE INSURANCE CO OF | 175 WATER STREET, 18TH FLOOR NEW YORK, NY 10038 | NATIONAL UNION FIRE INSURANCE CO OF PITTSBURGH, PA | — | $1.7M | $1.7M | 91.85% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTIONS, LLC | 18940 NORTH PIMA ROAD, STE 210 SCOTTSDALE, AZ 85255 | NATIONAL UNION FIRE INSURANCE CO OF PITTSBURGH, PA | — | $85K | $85K | 4.59% |
| DELTA DENTAL OF MICHIGAN3 | 27500 STANSBURY STREET FARMINGTON HILLS, MI 48334 | DELTA DENTAL OF MICHIGAN | — | $80K | $80K | 5.99% |
| UNITED OF OMAHA LIFE INSURANCE CO3 Filed as: UNITED OF OMAHA LIFE INS CO | 28001 CABOT DRIVE #130 NOVI, MI 48377 | MUTUAL OF OMAHA | — | $1.0M | $1.0M | 101.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF DETROIT | 35735 MOUND ROAD STERLING HEIGHTS, MI 48310 | MUTUAL OF OMAHA | — | $172K | $172K | 16.80% |
| FIDELITY SECURITY LIFE INSURANCE CO Filed as: FIDELITY SECURITY LIFE INSURANCE | P.O. BOX 632530 CNCINNATI, OH 45263 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $234K | $234K | 100.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, MI 06156 | $725K |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 27500 STANSBURY STREET FARMINGTON HILLS, MI 48334 | $80K |
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 | 4,904 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 122 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,026 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 4,857 | $20.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 5,015 | $1.3M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 4,708 | $234K |
| Life insurance | MUTUAL OF OMAHA | 2,620 | $1.0M |
| Short-term disability | MUTUAL OF OMAHA | 2,620 | $1.0M |
| Long-term disability | MUTUAL OF OMAHA | 2,620 | $1.0M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 4,857 | $20.6M |
| Stop-loss / reinsurancereinsurance | NATIONAL UNION FIRE INSURANCE CO OF PITTSBURGH, PA | 2,088 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,015 | — |
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.
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.