| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVEN HARDIN3 Filed as: STEVEN J HARDIN | 901 WILSHIRE DR STE 330 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $61K | $61K | 1.58% |
| STEPHEN J HETTRICK3 | 35735 MOUND ROAD STERLING HEIGHTS, MI 48311 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $30K | $30K | 0.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 5250 CORPORATE DR STE 200 TROY, MI 48098 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $5K | $5K | 0.12% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DRIVE SUITE 300 TROY, MI 48084 | GUARDIAN | $28K | $3K | $31K | 7.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 35735 MOUND ROAD STERLING HEIGHTS, MI 48311 | GUARDIAN | $14K | $2K | $16K | 3.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1605 CONCENTRIC BLVD STE 2 SAGINAW, MI 48604 | GUARDIAN | $3K | — | $3K | 0.75% |
| JOANNE M FREDERICK3 | 31350 TMARACK ST APT 5211 WIXOM, MI 48393 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $133 | — | $133 | 1.26% |
| MICHELLE LIVINGSTON3 | 18211 DORSET ST SOUTHFIELD, MI 48075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $113 | — | $113 | 1.07% |
| RAY SCOTT3 | 5318 INDIAN TRL YPSILANTI, MI 48197 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.16% |
| KAREN D PEARSON3 | 16715 FENMORE ST DETROIT, MI 48235 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.08% |
| GREGORY THOMPSON3 | 118 ELAM DR MCCORMICK, SC 29835 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT INC | 5250 CORPORATE DR STE 200 TROY, MI 48098 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 1075.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 5250 CORPORATE DR STE 200 TROY, MI 48098 | METROPOLITAN LIFE INSURANCE COMPANY | $49 | $98 | $147 | 40.05% |
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 | 402 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 819 | $3.9M |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 500 | $433K |
| Vision(2 contracts, 2 carriers) | GUARDIAN | 500 | $433K |
| Life insurance(3 contracts, 3 carriers) | GUARDIAN | 500 | $443K |
| Short-term disability(3 contracts, 3 carriers) | GUARDIAN | 500 | $443K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 500 | $433K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 500 | $433K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 819 | — |
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."
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.