| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHEN J HETTRICK3 | 35735 MOUND ROAD STERLING HEIGHTS, MI 48310 | BLUE CARE NETWORK OF MICHIGAN | $21K | — | $21K | 4.81% |
| BROWN AND BROWN OF FLORIDA, INC.4 Filed as: BROWN AND BROWN OF DETROIT INC | 5250 CORPORATE DR STE 200 TROY, MI 48098 | BLUE CARE NETWORK OF MICHIGAN | — | $432 | $432 | 0.10% |
| STEPHEN J HETTRICK1 | 35735 MOUND ROAD STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $9K | — | $9K | 4.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF DETROIT INC | 5250 CORPORATE DRIVE STE 200 TROY, MI 48098 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $360 | $360 | 0.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF DETROIT INC | 5250 CORPORATE DR STE 200 TROY, MI 48098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $2K | $11K | 15.87% |
| STRATEGIC NON-MEDICAL SOLUTION3 | 1 BEACON ST STE 17100 BOSTON, MA 02108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF DETROIT INC | 5250 CORPORATE DRIVE SUITE 200 TROY, MI 48098 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $8K | 15.40% |
| STRATEGIC NON-MEDICAL SOLUTION3 | 75 STATE ST. SUITE 1710 BOSTON, MA 02109 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.00% |
| LUCIDO MORRIS ASSOCIATES, LLC3 Filed as: LUCIDO MORRIS ASSOCIATES | 24255 W 13 MILE RD STE 250 BINGHAM FARMS, MI 48025 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $85 | — | $85 | 0.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF DETROIT INC | 5250 CORPORATE DRIVE STE 200 TROY, MI 48098 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $8K | $740 | $9K | 109.79% |
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 | 107 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 86 | $622K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 76 | $53K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 104 | $8K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 329 | $72K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 329 | $72K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 329 | $72K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 86 | $622K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 76 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.