| 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 | $152K | $10K | $162K | 13.24% |
| BRADLEY, ROBERT C3 | 2399 HIGHWAY 34, BUILDING C2 MANASQUAN, NJ 08736 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $92K | — | $92K | 7.54% |
| 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 | $67K | $6K | $74K | 14.25% |
| 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 | $6K | — | $6K | 3.29% |
| 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 | $26K | $29 | $26K | 14.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD, STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.77% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $663 | — | $663 | 0.37% |
| MORRIS, CHRISTOPHER, ROBERT3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $85 | — | $85 | 0.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC. | 35735 MOUND ROAD STERLING HEIGHTS, MI 48310 | COMBINED INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 10.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC. | 35735 MOUND ROAD STERLING HEIGHTS, MI 48310 | UNUM INSURANCE COMPANY | $16K | $1K | $18K | 16.25% |
| 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 | $4K | $483 | $4K | 11.25% |
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 | 2,455 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,474 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 38 | $177K |
| Dental(2 contracts, 2 carriers) | DENTEGRA INSURANCE COMPANY | 842 | $370K |
| Vision(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 2,444 | $338K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,455 | $555K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,334 | $1.2M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,334 | $1.2M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,455 | $840K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,455 | — |
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.