| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | DELTA DENTAL OF MICHIGAN | — | $11K | $11K | 0.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 775 YARD ST SUITE 200 COLUMBUS, OH 43212 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | — | $18K | 0.43% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 0.37% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | — | $28K | 1.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 5440 W 110TH ST STE 300 OVERLAND PARK, KS 66211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | — | $24K | 0.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 233 S WACKER DR STE 1800 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $9K | $9K | 0.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | KAISER FOUNDATION HEALTH PLAN INC. | $43K | — | $43K | 2.80% |
| ROBERT L. HUGHES3 Filed as: ROBERT LINHART HUGHES | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | KAISER FOUNDATION HEALTH PLAN INC. | $43K | — | $43K | 2.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | PO BOX 416719 BOSTON, MA 02241 | VISION SERVICE PLAN | $7K | — | $7K | 0.59% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $7K | — | $7K | 0.53% |
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 | 10,790 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 56 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 279 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 174 | $1.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 16,680 | $4.6M |
| Vision | VISION SERVICE PLAN | 7,712 | $1.3M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 11,266 | $4.2M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 9,832 | $2.4M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 174 | $1.6M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 11,266 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,680 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.