| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT | 35735 MOUND ROAD DETROIT, MI 48310 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $111K | — | $111K | 11.82% |
| LIFETIME FINANCIAL GROWTH OF M3 | 24255 W 13 MILE ROAD SUITE 250 BINGHAM FARMS, MI 48025 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $561 | — | $561 | 0.06% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | TRANSAMERICA LIFE INSURANCE COMPANY | $158K | — | $158K | 31.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT | 35735 MOUND ROAD STERLING HEIGHTS, MI 48310 | TRANSAMERICA LIFE INSURANCE COMPANY | $66K | — | $66K | 13.13% |
| JEFFREY CALDWELL3 | 1400 CENTERVIEW DR. LITTLE ROCK, AR 72211 | TRANSAMERICA LIFE INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BLVD SUITE 500 OVERLAND PARK, KS 66211 | TRANSAMERICA LIFE INSURANCE COMPANY | -$105K | — | -$105K | -20.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT | P.O. BOX 8029 35735 MOUND ROAD STERLING HEIGHTS, MI 48310 | COMBINED INSURANCE COMPANY OF AMERICA | $34K | — | $34K | 11.69% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM INSURANCE COMPANY OF AMERICA | $43K | $6K | $49K | 18.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT | 35735 MOUND ROAD STERLING HEIGHTS, MI 48310 | UNUM INSURANCE COMPANY OF AMERICA | $27K | $270 | $27K | 10.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 15162 COLLECTIONS CTR DRIVE CHICAGO, IL 60693 | UNUM INSURANCE COMPANY OF AMERICA | $286 | — | $286 | 0.11% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | UNUM INSURANCE COMPANY OF AMERICA | $245 | — | $245 | 0.09% |
| MORRIS, CHRISTOPHER, ROBERT3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM INSURANCE COMPANY OF AMERICA | $74 | — | $74 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT | 35735 MOUND ROAD STERLING HEIGHTS, MI 48310 | UNUM INSURANCE COMPANY | $38K | $3K | $41K | 17.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT | P.O. BOX 8029 35735 MOUND ROAD STERLING HEIGHTS, MI 48310 | METLIFE LEGAL PLANS | $6K | — | $6K | 9.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO, INC. | P.O. BOX 369 56 LIVINGSTON AVE ROSELAND, NJ 07068 | METLIFE LEGAL PLANS | — | $812 | $812 | 1.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT | 35735 MOUNT ROAD STERLING HEIGHTS, MI 48310 | FOUR EVER LIFE INSURANCE COMPANY | $428 | — | $428 | 8.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 35735 MOUND ROAD STERLING HEIGHTS, MI 48310 | COMBINED INSURANCE COMPANY OF AMERICA | $372 | — | $372 | 10.01% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $103 | — | $103 | 3.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT | 35735 MOUND ROAD STERLING HEIGHTS, MI 48310 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $35 | — | $35 | 1.26% |
| MORRIS, CHRISTOPHER, ROBERT3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3 | — | $3 | 0.11% |
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 | 3,062 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,088 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | COMBINED INSURANCE COMPANY OF AMERICA | 4,427 | $294K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 4,097 | $1.4M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 4,097 | $937K |
| Other(6 contracts, 6 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 4,097 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,427 | — |
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.