| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RISKE BROWN & ASSOCIATES | 5046 SOUTH WEST BAY SHORE DRIVE SUITE D SUTTONS BAY, MI 49682 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $12K | $15K | $27K | 7.45% |
| GROTHENHUTS3 | 588 THREE MILE ROAD NORTHWEST SUITE 101 GRAND RAPIDS, MI 495448221 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.60% |
| BARRY A RISKE3 | 5046 SW BAY SHORE SUITE D SUTTONS BAY, MI 49682 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $6K | $47K | $53K | 31.58% |
| BARRY A RISKE3 Filed as: BARRY A RISEK | 5046 SW BAY SHORE SUITE D SUTTONS BAY, MI 49682 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $6K | — | $6K | 3.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RISKE BROWN & ASSOCIATES | 5046 SOUTHWEST BAYSHORE DRIVE SUITE D SUTTONS BAY, MI 49682 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
No Schedule C service providers reported on this filing.
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 | 386 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 386 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 117 | $17K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 381 | $356K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 381 | $356K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 381 | $356K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 381 | $167K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 381 | $356K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.