| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $102K | $17K | $119K | 35.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF DETROIT | 35735 MOUND RD STERLING HEIGHTS, MI 48310 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $45K | $4K | $49K | 14.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 15162 COLLECTIONS CTR DR CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $13 | $8K | 2.30% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 6650 METAIRIE, TN 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $561 | $6K | 1.90% |
| MORRIS, CHRISTOPHER, ROBERT3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $129 | $3K | 0.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF DETROIT | 35735 MOUND RD STERLING HEIGHTS, MI 48310 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | $2K | $35K | 11.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 15162 COLLECTIONS CTR DR CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $410 | $71 | $481 | 0.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF DETROIT | 35735 MOUND RD STERLING HEIGHTS, MI 48310 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $2K | $27K | 11.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 15162 COLLECTIONS CTR DR CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $196 | $34 | $230 | 0.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF DETROIT INC | 35735 MOUND RD STERLING HEIGHTS, MI 48310 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN | $19K | — | $19K | 10.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF DETROIT | 35735 MOUND RD STERLING HEIGHTS, MI 48310 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $2K | $27K | 18.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 15162 COLLECTIONS CTR DR CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $172 | $2K | 1.33% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $40K | $9K | $48K | 72.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF DETROIT | 35735 MOUND RD STERLING HEIGHTS, MI 48310 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $17K | — | $17K | 26.26% |
| MORRIS, CHRISTOPHER, ROBERT | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF DETROIT | 35735 MOUND RD STERLING HEIGHTS, MI 48310 | HARTFORD LIFE AND ACCIDENT | $479 | — | $479 | 14.98% |
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 | 2,253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN | 2,543 | $175K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,331 | $618K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,331 | $457K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,331 | $894K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,543 | — |
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.