| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GERALD R ZACCARDELLI3 | PO BOX 8029 STERLING HEIGHTS, MI 48311 | BLUE CARE NETWORK OF MICHIGAN | $13K | — | $13K | 1.97% |
| JAMES RANDALL STINES3 | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | BLUE CARE NETWORK OF MICHIGAN | $7K | — | $7K | 1.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT INC | 5250 CORPORATE DRIVE SUITE 200 TROY, MI 48098 | BLUE CARE NETWORK OF MICHIGAN | — | $2K | $2K | 0.34% |
| GERALD R ZACCARDELLI3 | PO BOX 8029 STERLING HEIGHTS, MI 48311 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $9K | — | $9K | 1.81% |
| JAMES RANDALL STINES3 | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $6K | — | $6K | 1.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT INC | 5250 CORPORATE DRIVE SUITE 200 TROY, MI 48098 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.28% |
| 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 | $7K | — | $7K | 5.63% |
| HAUSER INC3 Filed as: HAUSER. INC. | JAMES STINES 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 1.97% |
| 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 | $5K | $244 | $5K | 5.91% |
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $272 | — | $272 | 0.34% |
| 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 | $5K | $218 | $5K | 10.41% |
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.03% |
| 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 | $157 | $4K | 11.07% |
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC | PO BOX 746567 ATLANTA, GA 30374 | VISION SERVICE PLAN | $2K | — | $2K | 6.72% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE INC. | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | VISION SERVICE PLAN | $883 | — | $883 | 3.80% |
| 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 | $743 | $33 | $776 | 8.96% |
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $320 | — | $320 | 3.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT | 5250 CORPORATE DRIVE SUITE 200 TROY, MI 48098 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $319 | — | $319 | 4.87% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $58 | — | $58 | 0.88% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP, INC. | 901 WILSHIRE DRIVE SUITE 330 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20 | — | $20 | 0.31% |
| 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 | $268 | $8 | $276 | 10.60% |
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $123 | — | $123 | 4.72% |
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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 131 | $1.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 307 | $131K |
| Vision | VISION SERVICE PLAN | 143 | $23K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 245 | $9K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 91 | $50K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 245 | $81K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 131 | $1.2M |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 245 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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.