| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SRVCE LLC STOCKTON CON | 100 SUMMIT LAKE DRIVE SUITE 40 VALHALLA, NY 105950595 | BLUE CARE NETWORK OF MICHIGAN | — | $2K | $2K | 0.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEWITT ASSOCIATES, LLC EIN 22-2232264 NONE KNOWN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $1.4M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE KNOWN | Contract Administrator; Direct payment from the plan Service code 13 | — | $152K |
| DTE ENERGY CORPORATE SERVICES LLC EIN 20-5898509 EMPLOYER | Direct payment from the plan; Plan Administrator Service code 14 | — | $101K |
| PLANTE & MORAN, PLLC EIN 38-1357951 NONE KNOWN | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $25K |
| GEORGE JOHNSON & COMPANY EIN 38-2029668 NONE KNOWN | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $16K |
| AON CONSULTING, INC. EIN 22-2232264 NONE KNOWN | Consulting (general); Actuarial; Direct payment from the plan Service code 11 | — | $13K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5,855 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,855 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | BLUE CARE NETWORK OF MICHIGAN | 3,744 | $18.4M |
| Vision | BLUE CARE NETWORK OF MICHIGAN | 1,259 | $7.4M |
| Prescription drug(4 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 1,259 | $10.0M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,265 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,744 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.