| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC. | PO BOX 8029 SOUTHFIELD, MI 48311 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 2.73% |
| MARK JOSEPH MERUCCI3 | 39500 HIGH POINT BLVD SUITE 400 NOVI, MI 48375 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 2.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC. | PO BOX 8029 STERLING HEIGHTS, MI 48311 | DELTA DENTAL | $5K | — | $5K | 3.26% |
| ST. JOHN AGENCY, INC.3 Filed as: THE ST. JOHN AGENCY | 26026 TLELGRAPH RD SOUTHFIELD, MI 48086 | DELTA DENTAL | $2K | — | $2K | 1.47% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF DETROIT, INC. | PO BOX 8029 STERLING HEIGHTS, MI 48311 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 4.22% |
| ST. JOHN AGENCY, INC. Filed as: ST. JOHN AGENCY INC | 26026 TELEGRAPH RD SUITE 100 SOUTHFIELD, MI 48033 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $251 | — | $251 | 0.78% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF DETROIT, INC. | PO BOX 8029 STERLING HEIGHTSM, MI 48311 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $475 | — | $475 | 2.54% |
| ST. JOHN AGENCY, INC. Filed as: ST. JOHN AGENCY INC | 26026 TELEGRAPH RD SOUTHFIELD, MI 48033 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $460 | — | $460 | 2.46% |
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 | 206 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 30 | $161K |
| Dental | DELTA DENTAL | 437 | $161K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 26 | $32K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 82 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 437 | — |
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.