| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | RELIASTAR LIFE INSURANCE COMPANY | $190K | $32K | $222K | 14.78% |
| EXPLAIN MY BENEFITS LLC3 | 2461 WEST STATE ROAD 426 OVIEDO, FL 32765 | RELIASTAR LIFE INSURANCE COMPANY | $121K | $0 | $121K | 8.07% |
| CHARLES E. KORTH3 Filed as: CHARLES EUGENE KORTH | 3256 UNIVERSITY DRIVE, SUITE 35 AUBURN HILLS, MI 48326 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $16K | $156 | $16K | 2.30% |
| RICHARD GRENAY3 Filed as: RICHARD J. GRENAY | 2250 KILDORE DRIVE DAVISON, MI 48423 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $7K | $107 | $7K | 1.04% |
| ACTION BENEFITS COMPANY3 | 24600 NORTHWESTERN SOUTHFIELD, MI 48075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $7K | $0 | $7K | 0.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $23K | $0 | $23K | 9.89% |
| LASSITER WARE3 Filed as: LASSITER-WARE INSURANCE | UNKNOWN LEESBURG, FL 33585 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5 | $0 | $5 | 0.00% |
| UNKNOWN3 | UNKNOWN ORLANDO, FL 32810 | EMPLOYEE HEALTH INSURANCE MANAGEMENT, INC. | $637 | $0 | $637 | 1.01% |
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 | 1,316 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 156 | $705K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,920 | $233K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 2,006 | $1.5M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 2,006 | $1.5M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 2,006 | $1.5M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 156 | $768K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 2,006 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,920 | — |
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.