| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT INC | 35735 MOUND ROAD STERLING HEIGHTS, MI 48311 | BLUE CARE NETWORK OF MICHIGAN | $18K | — | $18K | 4.56% |
| ACTION BENEFITS COMPANY3 Filed as: ACTION BENEFITS | 26533 EVERGREEN ROAD, SUITE 400 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $4K | — | $4K | 1.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT INC | 35735 MOUND ROAD STERLING HEIGHTS, MI 48311 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $3K | $13K | 16.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT INC | 35735 MOUND ROAD STERLING HEIGHTS, MI 48311 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $3K | $9K | 13.96% |
| LUCIDO MORRIS ASSOCIATES, LLC3 | 24255 W. 13 MILE ROAD, SUITE 250 BINGHAM FARMS, MI 48025 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $171 | — | $171 | 0.28% |
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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 131 | $386K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 77 | $61K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 77 | $61K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $77K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $77K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $77K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 131 | $386K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.