| 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. | — | $55K | $55K | 0.79% |
| PAUL STANLEY JR3 Filed as: PAUL STANLEY | 186 KING GEORGE ST DANIEL ISLAND, SC 29492 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $386K | $120K | $506K | 12.73% |
| NATIONAL INSURANCE MARKETS INC3 Filed as: NATIONAL INSURANCE MARKETS INC. | 915 SAXONBURG BLVD, STE 217 PITTSBURGH, PA 15223 | HIGHMARK INC. | $49K | — | $49K | 2.48% |
| MICHELE L BOLSER3 Filed as: MICHELE L. BOLSER | PO BOX 2999 FARMINGTON HILLS, MI 48333 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $17K | — | $17K | 2.50% |
| VALENTI TROBEC CHANDLER, INC.3 Filed as: VALENTI, TROBEC, CHANDLER, SCHURR | 1175 W. LONG LAKE RD, NO. 200 TROY, MI 48098 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $381 | $381 | 0.06% |
| MICHELE L BOLSER3 Filed as: MICHELE L. BOLSER | PO BOX 2999 FARMINGTON HILLS, MI 48333 | BLUE CARE NETWORK OF MICHIGAN | $12K | — | $12K | 2.29% |
| VALENTI TROBEC CHANDLER, INC.3 Filed as: VALENTI, TROBEC, CHANDLER, SCHURR | 1175 W. LONG LAKE ROAD, SUITE 200 TROY, MI 48098 | BLUE CARE NETWORK OF MICHIGAN | — | $345 | $345 | 0.07% |
| PAUL STANLEY JR3 Filed as: PAUL STANLEY | 186 KING GEORGE ST DANIEL ISLAND, SC 29492 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 2.31% |
| PAUL STANLEY JR3 Filed as: PAUL STANLEY | 186 KING GEORGE ST DANIEL ISLAND, SC 29492 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $5K | $25K | 16.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | PO BOX 4557 NEW YORK, NY 10249 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $4K | — | $4K | 3.66% |
| PAUL STANLEY JR3 Filed as: PAUL STANLEY | 186 KING GEORGE ST DANIEL ISLAND, SC 29492 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $698 | $3K | 13.43% |
| CONSOLIDATED PLANNING HOLDINGS3 | 4201 CONGRESS ST, NO. 295 CHARLOTTE, NC 28209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14 | — | $14 | 0.07% |
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 | 12,917 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,958 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 8 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 612 | $15.3M |
| Dental(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 13,149 | $4.0M |
| Vision(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 13,149 | $4.0M |
| Life insurance(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 13,149 | $4.1M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 286 | $150K |
| Long-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 845 | $442K |
| Prescription drug(5 contracts, 5 carriers) | HIGHMARK INC. | 221 | $4.8M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 13,149 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,149 | — |
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.