| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS INC. | 3 COPLEY PLACE BOSTON, MA 02116 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $71K | $29K | $100K | 1.97% |
| PAUL STANLEY JR3 Filed as: PAUL STANLEY | 1424 CLANCY RD MT PLEASANT, SC 29466 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $318K | $98K | $416K | 12.79% |
| NATIONAL INSURANCE MARKETS INC3 Filed as: NATIONAL INSURANCE MARKETS INC. | 915 SAXONBURG BLVD, STE 217 PITTSBURGH, PA 15223 | HIGHMARK | $77K | — | $77K | 3.40% |
| MICHELLE L. BOLSER3 | PO BOX 2999 FARMINGTON HILLS, MI 48333 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $29K | — | $29K | 3.18% |
| VALENTI TROBEC CHANDLER, INC.3 Filed as: VALENTI TROBEC CHANDLER INC. | 1175 W. LONG LAKE RD, NO. 200 TROY, MI 480984443 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.11% |
| KIERNAN BENEFIT SOLUTIONS3 | 4801 W. 110TH ST, STE 200 OVERLAND PARK, KS 66211 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $10K | — | $10K | 2.18% |
| GRIFFIN SMALLEY & WILERSON INC.3 | 37000 GRAND RIVER AVE FARMINGTON HILLS, MI 48335 | BLUE CARE NETWORK OF MICHIGAN | $18K | — | $18K | 4.89% |
| PAUL STANLEY JR3 Filed as: PAUL STANLEY | 1424 CLANCY RD MT PLEASANT, SC 29466 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $32K | $7K | $39K | 16.03% |
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 | 17,412 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 228 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,673 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 10 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 528 | $11.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 10,662 | $3.3M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 10,662 | $3.3M |
| Life insurance(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 10,662 | $3.5M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 472 | $246K |
| Long-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 10,662 | $3.5M |
| Prescription drug(5 contracts, 5 carriers) | HIGHMARK | 307 | $5.3M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 10,662 | $4.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,662 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.