| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SYMETRA LIFE INSURANCE COMPANY3 | 777 108TH AVENUE NE SUITE 1200 BELLEVUE, WA 98004 | SYMETRA LIFE INSURANCE COMPANY | — | $1.9M | $1.9M | 100.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BEECHER CARLSON INSURANCE SERVICES | 6 CONCOURSE PKWY STE 2300 SANDY SPRINGS, GA 30328 | SYMETRA LIFE INSURANCE COMPANY | — | $20K | $20K | 1.09% |
| UNITED OF OMAHA LIFE INSURANCE CO5 | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | MUTUAL OF OMAHA | — | $760K | $760K | 100.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC. | 5250 CORPORATE DR STE 200 TROY, MI 48098 | MUTUAL OF OMAHA | $65K | $31K | $97K | 12.70% |
| MERITAIN HEALTH3 Filed as: AETNA LIFE INSURANCE COMPANY | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | AETNA LIFE INSURANCE COMPANY | — | $566K | $566K | 100.00% |
| FIDELITY SECURITY LIFE INSURANCE CO3 | PO BOX 632530 CINCINNATI, OH 45263 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $105K | $105K | 100.00% |
| DELTA DENTAL OF MICHIGAN3 | 27500 STANDBURY ST FARMINGTON HILLS, MI 48334 | DELTA DENTAL OF MICHIGAN | — | $50K | $50K | 100.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT | 5250 CORPORATE DR STE 200 TROY, MI 48098 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | $2K | — | $2K | 14.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO, INC | PO BOX 369 56 LIVINGSTON AVE ROSELAND, NJ 07068 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | — | $237 | $237 | 1.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033429 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $566K |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 BENEFIT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 27500 STANSBURY STREET FARMINGTON HILLS, MI 48334 | $50K |
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 | 2,854 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,875 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 2,875 | $566K |
| Dental | DELTA DENTAL OF MICHIGAN | 2,891 | $50K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,866 | $105K |
| Life insurance | MUTUAL OF OMAHA | 1,689 | $760K |
| Short-term disability | MUTUAL OF OMAHA | 1,689 | $760K |
| Long-term disability | MUTUAL OF OMAHA | 1,689 | $760K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 2,875 | $566K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 1,232 | $1.9M |
| Other | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | 205 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,891 | — |
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."
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.