| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DELTA DENTAL OF MICHIGAN3 | 27500 STANDBURY ST FARMINGTON HILLS, MI 48334 | DELTA DENTAL OF MICHIGAN | — | $41K | $41K | 0.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC. | 5250 CORPORATE DR STE 200 TROY, MI 48098 | DELTA DENTAL OF MICHIGAN | $1K | $0 | $1K | 0.00% |
| MERITAIN HEALTH3 Filed as: AETNA HEALTH, INC. | PO BOX 88863 CHICAGO, IL 60695 | AETNA HEALTH, INC. | — | $1.3M | $1.3M | 100.00% |
| MERITAIN HEALTH3 Filed as: AETNA LIFE INSURANCE COMPANY | 151 FARMINGTON AVE HARTFORD, CT 06156 | AETNA LIFE INSURANCE COMPANY | — | $534K | $534K | 100.00% |
| UNITED OF OMAHA LIFE INSURANCE CO5 Filed as: UNITED OF OMAHA LIFE INSURANCE COMP | 3300 MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $464K | $464K | 100.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT INC | 5250 CORPORATE DR STE 200 TROY, MI 48098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $53K | — | $53K | 11.45% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC SOLUTIONS, LLC | 1 BEACON ST STE 17100 BOSTON, MA 02108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $32K | $32K | 6.80% |
| FIDELITY SECURITY LIFE INSURANCE CO3 | PO BOX 632530 CINCINNATI, OH 45263 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $122K | $122K | 100.00% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: METROPOLITAN GENERAL INSURANCE COMP | 1111 SUPERIOR AVE CLEVELAND, OH 44114 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $35K | $35K | 100.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC. | 5250 CORPORATE DR SUITE 200 TROY, MI 48098 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $0 | $2K | 6.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 5250 CORPORATE DR SUITE 200 TROY, MI 48098 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $0 | $2K | 4.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 5250 CORPORATE DR SUITE 200 TROY, MI 48098 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $195 | $195 | 0.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 2290 LUCIEN WAY STE 400 MAITLAND, FL 32751 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $30 | $30 | 0.09% |
| CURALINC HEALTHCARE3 Filed as: CURALINC LLC DBA CURALINC HEALTHCAR | 314 W SUPERIOR ST STE 601 CHICAGO, IL 60654 | CURALINC, LLC, DBA CURALINC HEALTHCARE | — | $22K | $22K | 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 | $534K |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 BENEFIT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 27500 STANSBURY ST FARMINGTON HILLS, MI 48334 | $41K |
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 | 2,873 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 90 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,963 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 2,653 | $534K |
| Dental | DELTA DENTAL OF MICHIGAN | 2,661 | $64.2M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,700 | $122K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,402 | $464K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,402 | $464K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,402 | $464K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 2,653 | $534K |
| Stop-loss / reinsurancereinsurance | AETNA HEALTH, INC. | 1,175 | $1.3M |
| Other(2 contracts, 2 carriers) | METROPOLITAN GENERAL INSURANCE COMPANY | 1,669 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,700 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.