| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | ONE BEACON STREET, SUITE 17100 BOSTON, MA 02108 | HARTFORD LIFE AND ACCIDENT | $1.1M | $179K | $1.3M | 14.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MICHIGAN, INC. | PO BOX 8029 STERLING HEIGHTS, MI 48311 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $277K | $0 | $277K | 3.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MICHIGAN, INC. | 5250 CORPORATE DRIVE, SUITE 200 TROY, MI 45454 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $8K | $8K | 0.09% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | ONE BEACON STREET, SUITE 17100 BOSTON, MA 02108 | RELIASTAR LIFE INSURANCE COMPANY | $132K | $40K | $172K | 13.00% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | ONE BEACON STREET, SUITE 17100 BOSTON, MA 02108 | VISION SERVICE PLAN | $70K | $0 | $70K | 6.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF HAWAII, INC. | 700 BISHOP STREET, 14TH FLOOR HONOLULU, HI 96813 | HAWAII MEDICAL SERVICE ASSOCIATION | $18K | $0 | $18K | 2.93% |
| MORRIS & BOYLE3 | 1850 MOUNT DIABLO BOULEVARD SUITE 430 WALNUT CREEK, CA 94596 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $54K | $32K | $87K | 19.14% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS, INC. | 1125 NW COUCH STREET, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $15K | $15K | 3.39% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 375 NORTHRIDGE ROAD, SUITE 515 ATLANTA, GA 30350 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $2K | $13K | 2.98% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 3700 PARK EAST, DRIVE SUITE 350 BEACHWOOD, OH 44122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $3K | $3K | 0.77% |
| KENNETH C YARBROUGH3 Filed as: KENNETH C. YARBROUGH | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $637 | $2K | $2K | 0.55% |
| DAPHNE AILEEN CLINE-BOYLE3 | 1850 MOUNT DIABLO BOULEVARD SUITE 430 WALNUT CREEK, CA 94596 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $38K | — | $38K | 9.26% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | ONE BEACON STREET, SUITE 17100 BOSTON, MA 02108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $38K | $0 | $38K | 9.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF VIRGINIA, INC. | 11220 ASSET LOOP, SUITE 304 MANASSAS, VA 20109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 1.05% |
| AGIS NETWORK INSURANCE SERVICES3 | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | MUTUAL OF OMAHA INSURANCE COMPANY | $15K | — | $15K | 4.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF HAWAII, INC. | 700 BISHOP STREET, 14TH FLOOR HONOLULU, HI 96813 | KAISER FOUNDATION HEALTH PLAN, INC. | $4K | $0 | $4K | 3.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF HAWAII, INC. | 700 BISHOP STREET, SUITE 1400 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $1K | — | $1K | 2.01% |
| AGIS NETWORK INSURANCE SERVICES3 | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $603 | $0 | $603 | 3.26% |
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 | 12,117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,148 | $9.8M |
| Dental | HAWAII DENTAL SERVICE | 103 | $53K |
| Vision(3 contracts, 3 carriers) | VISION SERVICE PLAN | 7,764 | $1.8M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 17,513 | $9.3M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 17,513 | $9.7M |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,148 | $9.8M |
| Other(6 contracts, 6 carriers) | HARTFORD LIFE AND ACCIDENT | 17,513 | $11.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,513 | — |
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.