| 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 48310 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $63K | $4K | $66K | 7.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W BIG BEAVER ROAD, SUITE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35K | $4K | $40K | 4.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC. | 35735 MOUND ROAD STERLING HEIGHTS, MI 48310 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $2K | $26K | 6.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W BIG BEAVER ROAD, SUITE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $2K | $17K | 3.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W BIG BEAVER ROAD, SUITE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | $2K | $34K | 10.60% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $97 | $7K | 2.34% |
| CHRISTOPHER THOMAS SMITH3 Filed as: CHRISTOPHER ROBERT MORRIS | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $809 | $4 | $813 | 0.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC. | 35735 MOUND ROAD STERLING HEIGHTS, MI 48310 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $93 | $8 | $101 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC. | 35735 MOUND ROAD STERLING HEIGHTS, MI 48310 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $3K | — | $3K | 1.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC. | 35735 MOUND ROAD STERLING HEIGHTS, MI 48310 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | $13K | $18K | 7.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 3331 W BIG BEAVER ROAD, SUITE 200 TROY, MI 48084 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | $7K | $10K | 3.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC. | 35735 MOUND ROAD STERLING HEIGHTS, MI 48310 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 6.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W BIG BEAVER ROAD, SUITE 200 TROY, MI 48084 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 3.37% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 3.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W BIG BEAVER ROAD, SUITE 200 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.95% |
| CHRISTOPHER THOMAS SMITH3 Filed as: CHRISTOPHER ROBERT MORRIS | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $900 | — | $900 | 0.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W BIG BEAVER ROAD, SUITE 200 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15K | $797 | $16K | 29.75% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC. | 35735 MOUND ROAD STERLING HEIGHTS, MI 48310 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $191 | $13 | $204 | 0.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC. | 35735 MOUND ROAD STERLING HEIGHTS, MI 48310 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $170 | $2K | 6.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W BIG BEAVER ROAD, SUITE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $314 | $2K | 5.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W BIG BEAVER ROAD, SUITE 200 TROY, MI 48084 | FIRST UNUM LIFE INSURANCE COMPANY | $266 | — | $266 | 8.51% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | FIRST UNUM LIFE INSURANCE COMPANY | $88 | — | $88 | 2.82% |
| CHRISTOPHER THOMAS SMITH3 Filed as: CHRISTOPHER ROBERT MORRIS | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | FIRST UNUM LIFE INSURANCE COMPANY | $1 | — | $1 | 0.03% |
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 | 2,433 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,443 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 56 | $251K |
| Dental(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 1,037 | $498K |
| Vision(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 1,279 | $431K |
| Life insurance(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,581 | $669K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,409 | $902K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,409 | $902K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,581 | $986K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,581 | — |
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."
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.