| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERITAIN HEALTH3 Filed as: AETNA LIFE INSURANCE CO | 151 FARMINGTON AVE HARTFORD, CT 06156 | AETNA LIFE INSURANCE CO | — | $1.3M | $1.3M | 100.00% |
| MERITAIN HEALTH3 Filed as: AETNA LIFE INSURANCE CO | 151 FARMINGTON AVE HARTFORD, CT 06156 | AETNA LIFE INSURANCE CO | — | $649K | $649K | 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 | — | $637K | $637K | 100.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS, INC | 5250 CORPORATE DR STE 200 TROY, MI 48098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $55K | $19K | $74K | 11.62% |
| STRATEGIC NON-MEDICAL SLTNS LLC3 Filed as: STRATEGIC SOLUTIONS, LLC | 1 BEACON ST STE 17100 BOSTON, MA 02108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $31K | $31K | 4.84% |
| DELTA DENTAL OF MICHIGAN3 | 27500 STANSBURY ST FARMINGTON HILLS, MI 48334 | DELTA DENTAL OF MICHIGAN | — | $44K | $44K | 7.21% |
| FIDELITY SECURITY LIFE INSURANCE CO3 | PO BOX 632530 CINCINNATI, OH 45263 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $67K | $67K | 100.00% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: METROPOLITAN GENERAL INSURANCE COMP | 1111 SUPERIOR AVE CLEVELAND, OH 44114 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $42K | $42K | 100.00% |
| BROWN & BROWN INSURANCE SERVICES3 | 5250 CORPORATE DR STE 200 TROY, MI 48098 | METROPOLITAN GENERAL INSURANCE COMPANY | $4K | — | $4K | 9.29% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF FLORIDA INC | 2290 LUCIEN WAY STE 400 MAITLAND, FL 32751 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $30 | $30 | 0.07% |
| CURALINC HEALTHCARE3 Filed as: CURALINC LLC | 314 W SUPERIOR ST STE 601 CHICAGO, IL 60654 | CURALINC LLC | — | $21K | $21K | 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 | $649K |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | 27500 STANSBURY ST FARMINGTON HILLS, MI 48334 | $45K |
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 | 2,350 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 81 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 2,384 | $649K |
| Dental | DELTA DENTAL OF MICHIGAN | 2,375 | $614K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,350 | $67K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,456 | $637K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,456 | $637K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,456 | $637K |
| Prescription drug | AETNA LIFE INSURANCE CO | 2,384 | $649K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO | 185 | $1.3M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,456 | $700K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,384 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.