| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | 26555 EVERGREEN RD, STE 1600 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | — | $3K | $3K | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALIGHT SOLUTIONS LLC EIN 82-1061233 NONE KNOWN | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $1.0M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE KNOWN | Contract Administrator; Direct payment from the plan Service code 13 | — | $165K |
| DTE ENERGY CORPORATE SERVICES LLC EIN 20-5898509 EMPLOYER | Direct payment from the plan; Plan Administrator Service code 14 | — | $47K |
| AON CONSULTING, INC. EIN 22-2232264 NONE KNOWN | Direct payment from the plan; Consulting (general); Actuarial Service code 11 | — | $32K |
| PLANTE & MORAN, PLLC EIN 38-1357951 NONE KNOWN | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $26K |
| GEORGE JOHNSON & COMPANY EIN 38-2029668 NONE KNOWN | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $9K |
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 | 5,591 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,591 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | HEALTH ALLIANCE PLAN | 3,524 | $14.7M |
| Vision | BLUE CARE NETWORK OF MICHIGAN | 821 | $4.9M |
| Prescription drug(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 821 | $7.5M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,244 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,524 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.