| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH A KING3 Filed as: JOSEPH DICRESCE | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 480842814 | BLUE CROSS BLUE SHEILD OF MICHIGAN | $6K | $2K | $8K | 0.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT INC | P.O. BOX 8029 STERLING HEIGHTS, MI 48311 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 5.31% |
| JOANNE M FREDERICK3 | 6510 OAKLAND BLVD DETROIT, MI 48228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $328 | — | $328 | 3.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT INC | P.O. BOX 8029 STERLING HEIGHTS, MI 48311 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 18.87% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHEILD OF MICHIGAN | 340 | $986K |
| Dental | STANDARD INSURANCE COMPANY | 160 | $93K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 7 | $9K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 184 | $17K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHEILD OF MICHIGAN | 340 | $986K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.