| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LASSITER WARE3 Filed as: LASSITER WARE INC. | 2701 MAITLAND CENTER PARKWAY SUITE 110 MAITLAND, FL 32751 | RELIASTAR LIFE INSURANCE COMPANY | $56K | $99K | $155K | 15.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | RELIASTAR LIFE INSURANCE COMPANY | $42K | $0 | $42K | 4.26% |
| CHARLES E. KORTH3 Filed as: CHARLES EUGENE KORTH | 3256 UNIVERSITY DRIVE, SUITE 35 AUBURN HILLS, MI 48326 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $19K | $594 | $20K | 2.80% |
| RICHARD GRENAY3 Filed as: RICHARD J. GRENAY | 2250 KILDORE DRIVE DAVIDSON, MI 48423 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $13K | $340 | $13K | 1.86% |
| ACTION BENEFITS COMPANY3 | 24600 NORTHWESTERN SOUTHFIELD, MI 48075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | $0 | $8K | 1.08% |
| LASSITER WARE3 Filed as: LASSITER WARE INC. | 2701 MAITLAND CENTER PARKWAY SUITE 110 MAITLAND, FL 32751 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $124K | $0 | $124K | 57.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | $0 | $7K | 3.41% |
| LASSITER WARE3 Filed as: LASSITER WARE INC. | 1317 CITIZENS BOULEVARD LEESBURG, FL 34748 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | $0 | $15K | 9.02% |
| JULIE OXENDER3 | PO BOX 464 WEST UNITY, OH 43570 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 3.11% |
| LAURIE A. WALKOWSKI3 | 7359 COUNTY ROAD, SUITE P50 MONTPELIER, OH 43543 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 2.91% |
| MJ INSURANCE3 Filed as: KEREN DELAUNE AND VARIOUS AGENTS | 175 SOUTH HALL DRIVE SUGAR LAND, TX 77478 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 1.91% |
| AARON ANSPACH LLC3 | 21397 LEHMAN ROAD DELPHOS, OH 45833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 1.72% |
| CHAD A POLLOCK Filed as: CHAD A. POLLOCK | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.32% |
| BRIAN J DAY3 Filed as: BRIAN J. DAY | 8744 UNION CENTRE BOULEVARD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $609 | $0 | $609 | 0.36% |
| CHARLES D. BLOCK3 Filed as: CHARLES KORTH | 12074 RIVERBEND DRIVE GRAND BLANC, MI 48480 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 7.96% |
| RICHARD GRENAY3 Filed as: RICHARD J. GRENAY | 2250 KILDARE DRIVE DAVIDSON, MI 48423 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 5.31% |
| LUCIDO MORRIS ASSOCIATES, LLC3 | 24255 WEST 13 MILE ROAD, SUITE 250 BINGHAM FARMS, MI 48025 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 1.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LAKE LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 0.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 220 SOUTH RIDGEWOOD AVENUE DAYTONA BEACH, FL 32114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22 | $0 | $22 | 0.02% |
| UNKNOWN3 | UNKNOWN ORLANDO, FL 32810 | EMPLOYEE HEALTH INSURANCE MANAGEMENT, INC. | $524 | $0 | $524 | 1.11% |
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 | 1,228 | 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) | 1,228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 140 | $713K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 82 | $118K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,624 | $332K |
| Life insurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 3,072 | $1.1M |
| Short-term disability(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 3,072 | $1.1M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 3,072 | $987K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 140 | $760K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 3,072 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,072 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.