| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WILLIAM BROWN | 3151 BRIARPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $38K | $0 | $38K | 2.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 3151 BRIARPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $9K | $29K | 9.98% |
| UNKNOWN3 | UNKNOWN AUBURN HILLS, MI 48326 | FSL | $1K | $0 | $1K | 10.00% |
| TRACY KATZ LLC4 | 1662 EAST MELTON ROAD BIRMINGHAM, MI 48009 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $468 | $0 | $468 | 7.22% |
| CAMBRIDGE CONSULTING GROUP LLC4 Filed as: CAMBRIDGE CONSULTING GROUP | 400 WEST 4 STREET, SUITE 300 ROYAL OAK, MI 48067 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $133 | $0 | $133 | 2.05% |
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 | 96 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 218 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 115 | $295K |
| Vision | FSL | 223 | $14K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 115 | $295K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 115 | $295K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 115 | $295K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 218 | $1.3M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 115 | $302K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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.