| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | ONE WORLD FINANCIAL CTR 200 LIBERTY ST, 6TH FL. NEW YORK, NY 10281 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | — | $60K | $60K | 0.64% |
| PAUL STANLEY JR3 Filed as: PAUL STANLEY | 186 KING GEORGE ST DANIEL ISLAND, SC 29492 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $335K | $87K | $421K | 15.08% |
| NATIONAL INSURANCE MARKETS INC3 Filed as: NATIONAL INSURANCE MARKETS INC. | 915 SAXONBURG BLVD, STE 217 PITTSBURGH, PA 15223 | HIGHMARK INC. | $45K | — | $45K | 2.33% |
| PAUL STANLEY JR3 Filed as: PAUL STANLEY | 186 KING GEORGE ST DANIEL ISLAND, SC 29492 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $14K | $14K | 3.21% |
| MICHELE L BOLSER3 Filed as: MICHELE L. BOLSER | P.O. BOX 2999 FARMINGTON HILLS, MI 48333 | BLUE CARE NETWORK OF MICHIGAN | $12K | — | $12K | 3.67% |
| VTC INSURANCE GROUP3 | MICHELE L. BOLSER P.O. BOX 2999 FARMINGTON HILLS, MI 48333 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $9K | — | $9K | 3.60% |
| PAUL STANLEY JR3 Filed as: PAUL STANLEY | 186 KING GEORGE ST DANIEL ISLAND, SC 29492 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 15.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | JP MORGAN CHASE LOCKBOX PROCESSING P.O. BOX 4557 NEW YORK, NY 10249 | HIGHMARK BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $2K | — | $2K | 3.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS. SERVICES | 500 N. AKARD STREET SUITE 4300 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $57 | $57 | 1.14% |
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 | 11,127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 55 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 8 carriers) | COMPANION LIFE INSURANCE | 2,353 | $26.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 8,720 | $2.8M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 8,720 | $2.8M |
| Life insurance(3 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 8,720 | $3.3M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $72K |
| Long-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,409 | $517K |
| Prescription drug(7 contracts, 7 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 906 | $14.1M |
| Other(6 contracts, 5 carriers) | COMPANION LIFE INSURANCE | 8,720 | $16.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,720 | — |
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.