| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARIA F MCHUGH3 | 200 LIBERTY STREET FLOOR 6 NEW YORK, NY 10281 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $25K | — | $25K | 2.89% |
| ELIZABETH ALLEN3 | 21 HIAWATHA TRAIL 03 MEDFORD LAKES, NJ 08055 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $13K | — | $13K | 1.56% |
| STEVEN ALLEN3 | 21 HIAWATHA TRL MEDFORD LAKES, NJ 08055 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 1.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC | PO BOX 416315 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | — | $31 | $31 | 0.01% |
| ELIZABETH ALLEN3 | 21 HIAWATHA TRL MEDFORD, NJ 08055 | DELTA DENTAL OF MICHIGAN | $399 | — | $399 | 0.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC | HEARST TOWER 214 N TRYON ST STE 2500 CHARLOTTE, NC 28202 | AMERITAS LIFE INSURANCE CORP. | — | $396 | $396 | 1.16% |
| STEPHEN D. ALLEN3 Filed as: STEPHEN ALLEN | 21 HIAWATHA TRAIL MEDFORD LAKES, NJ 08055 | AETNA LIFE INSURANCE CO. | $148 | — | $148 | 0.51% |
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 | 598 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 606 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 155 | $1.1M |
| Dental(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,151 | $733K |
| Vision(2 contracts, 2 carriers) | VISION BENEFITS OF AMERICA | 598 | $97K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,151 | $754K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 41 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,151 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.