| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR CORPORATION3 | 35735 MOUND RD STERLING HEIGHTS, MI 48310 | COMPANION LIFE | $59K | — | $59K | 18.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC. | 35735 MOUND RD STERLING HEIGHTS, MI 48310 | UNITED HEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 5.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC. | 35735 MOUND RD STERLING HEIGHTS, MI 48310 | DELTA DENTAL | $6K | — | $6K | 4.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC. | 35735 MOUND RD STERLING HEIGHTS, MI 48310 | RELIANCE LIFE INSURANCE COMPANY | $1K | — | $1K | 4.99% |
| ST. JOHN AGENCY, INC.3 | C/O RALPH C. WILSON AGENCY, INC. 26026 TELEGRAPH ROAD 100 SOUTHFIELD, MI 48033 | RELIANCE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC. | 35735 MOUND RD STERLING HEIGHTS, MI 48310 | RELIANCE STANDARD INSURANCE COMPANY | $793 | — | $793 | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC. | 35735 MOUND RD STERLING HEIGHTS, MI 48310 | RELIANCE LIFE INSURANCE COMPANY | $1K | — | $1K | 9.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC. | 35735 MOUND RD STERLING HEIGHTS, MI 48310 | RELIANCE LIFE INSURANCE COMPANY | $430 | — | $430 | 5.01% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF DETROIT, INC. | 35735 MOUND RD STERLING HEIGHTS, MI 48310 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $438 | $141 | $579 | 14.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC. | 35735 MOUND RD STERLING HEIGHTS, MI 48310 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $121 | $50 | $171 | 15.49% |
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 | 219 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 46 | $290K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL | 385 | $148K |
| Vision | RELIANCE LIFE INSURANCE COMPANY | 46 | $14K |
| Life insurance(3 contracts, 2 carriers) | RELIANCE LIFE INSURANCE COMPANY | 136 | $36K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE | 173 | $325K |
| Other(4 contracts, 3 carriers) | RELIANCE LIFE INSURANCE COMPANY | 136 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.