| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES RANDALL STINES3 | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | BLUE CARE NETWORK OF MICHIGAN | $29K | — | $29K | 2.84% |
| RICHARD GRENAY3 Filed as: RICHARD J GRENAY | 5250 CORPORATE DRIVE SUITE 200 TROY, MI 48098 | BLUE CARE NETWORK OF MICHIGAN | $8K | — | $8K | 0.81% |
| JAMES RANDALL STINES3 | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $25K | — | $25K | 2.95% |
| RICHARD GRENAY3 Filed as: RICHARD J GRENAY | 5250 CORPORATE DRIVE SUITE 200 TROY, MI 48098 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $7K | — | $7K | 0.79% |
| HAUSER INC3 Filed as: HAUSER, INC. | JAMES STINES 5905 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | DELTA DENTAL OF MICHIGAN | $9K | — | $9K | 6.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MICHIGAN INC | RICHARD GRENAY 2851 CHARLEVOIX DRIVE SOUTHEAST GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 1.30% |
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 8.02% |
| 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 | $214 | — | $214 | 0.25% |
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $1K | $8K | 13.64% |
| 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 | — | $2K | 3.70% |
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $887 | $4K | 15.25% |
| 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 | $823 | — | $823 | 3.19% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE INC. | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | VISION SERVICE PLAN | $2K | — | $2K | 7.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MICHIGAN | 111 SOUTH LEROY STREET SUITE FENTON, MI 48430 | VISION SERVICE PLAN | $634 | — | $634 | 2.57% |
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $874 | $238 | $1K | 11.93% |
| 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 | $261 | — | $261 | 2.80% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $234 | — | $234 | 4.10% |
| 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 | $104 | — | $104 | 1.82% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP, INC. | 901 WILSHIRE DRIVE SUITE 330 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2 | — | $2 | 0.04% |
| HAUSER INC3 | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $254 | $72 | $326 | 14.74% |
| 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 | $78 | — | $78 | 3.53% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP, INC. | 901 WISHIRE DRIVE SUITE 330 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 1.53% |
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 | 233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 196 | $1.9M |
| Dental | DELTA DENTAL OF MICHIGAN | 342 | $145K |
| Vision | VISION SERVICE PLAN | 153 | $25K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 233 | $9K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 94 | $59K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 234 | $86K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 196 | $1.9M |
| Other(5 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 233 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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.