| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIBERTY INSURANCE UNDERWRITERS INC.3 | 175 BERKLEY STREET BOSTON, MA 02116 | LIBERTY INSURANCE UNDERWRITERS INC. | — | $2.0M | $2.0M | 100.00% |
| UNITED OF OMAHA LIFE INSURANCE CO3 | 28001 CABOT DRIVE NOVI, MI 48377 | MUTUAL OF OMAHA | — | $877K | $877K | 100.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF DETROIT | 35735 MOUND ROAD STERLING HEIGHTS, MI 48310 | MUTUAL OF OMAHA | $86K | $63K | $149K | 16.99% |
| MERITAIN HEALTH3 Filed as: AETNA LIFE INSURANCE COMPANY | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | AETNA LIFE INSURANCE COMPANY | — | $851K | $851K | 100.00% |
| FIDELITY SECURITY LIFE INSURANCE CO3 Filed as: FIDELITY SECURITY LIFE INSURANCE | P.O. BOX 632530 CINCINNATI, OH 45263 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $140K | $140K | 100.00% |
| DELTAL DENTAL OF MICHIGAN3 | 27500 STANSBURY STREET FARMINGTON HILLS, MI 48334 | DELTA DENTAL OF MICHIGAN | $0 | $61K | $61K | 100.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033429 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $851K |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 BENEFIT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | 27500 STANSBURY STREET FARMINGTON HILLS, MI 48334 | $61K |
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 | 3,611 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 148 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,759 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 3,611 | $851K |
| Dental | DELTA DENTAL OF MICHIGAN | 3,611 | $61K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 3,510 | $140K |
| Life insurance | MUTUAL OF OMAHA | 1,982 | $877K |
| Short-term disability | MUTUAL OF OMAHA | 1,982 | $877K |
| Long-term disability | MUTUAL OF OMAHA | 1,982 | $877K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 3,611 | $851K |
| Stop-loss / reinsurancereinsurance | LIBERTY INSURANCE UNDERWRITERS INC. | 1,752 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,611 | — |
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."
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.