| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GERALD R ZACCARDELLI3 | PO BOX 8029 STERLING HEIGHTS, MI 48311 | BLUE CARE NETWORK OF MICHIGAN | $9K | — | $9K | 3.29% |
| GERALD R ZACCARDELLI3 | PO BOX 8029 STERLING HEIGHTS, MI 48311 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $6K | — | $6K | 3.74% |
| BRENDAN CREEDON3 | 13901 SUTTON PARK DRIVE SOUTH SUITE 360 BUILDING C JACKSONVILLE, FL 32224 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 1.03% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC | 5250 CORPORATE DRIVE SUITE 200 TROY, MI 48098 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $317 | $2K | 4.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT INC | 5250 CORPORATE DRIVE SUITE 200 TROY, MI 48098 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $318 | $4K | 9.16% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC | GERALD ZACCARDELLI 5250 CORPORATE DRIVE SUITE 200 TROY, MI 48098 | DELTA DENTAL OF MICHIGAN | $1K | — | $1K | 3.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC | GERALD ZACCARDELLI 35735 MOUND ROAD STERLING HEIGHTS, MI 48310 | DELTA DENTAL OF MICHIGAN | $1K | — | $1K | 3.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC | 5250 CORPORATE DRIVE SUITE 200 TROY, MI 48098 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $225 | $3K | 9.33% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC | PO BOX 746567 ATLANTA, GA 30374 | VISION SERVICE PLAN | $861 | — | $861 | 7.21% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $334 | — | $334 | 2.80% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $120 | — | $120 | 1.73% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT INC | 5250 CORPORATE DRIVE SUITE 200 TROY, MI 48098 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $107 | — | $107 | 1.54% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP, INC. | 901 WILSHIRE DRIVE SUITE 330 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23 | — | $23 | 0.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC | 5250 CORPORATE DRIVE SUITE 200 TROY, MI 48098 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $434 | $46 | $480 | 7.34% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $395 | — | $395 | 6.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC | 5250 CORPORATE DRIVE SUITE 200 TROY, MI 48098 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $147 | $11 | $158 | 10.32% |
| AON CONSULTING INC3 Filed as: AON CONULTING INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $83 | — | $83 | 5.42% |
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 | 162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 82 | $422K |
| Dental | DELTA DENTAL OF MICHIGAN | 144 | $40K |
| Vision | VISION SERVICE PLAN | 127 | $12K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 208 | $7K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 88 | $44K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 208 | $49K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 82 | $422K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 208 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.