| 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. | — | $23K | $23K | 0.32% |
| PAUL STANLEY JR3 Filed as: PAUL STANLEY | 186 KING GEORGE ST DANIEL ISLAND, SC 29492 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $266K | $74K | $341K | 14.38% |
| NATIONAL INSURANCE MARKETS INC3 Filed as: NATIONAL INSURANCE MARKETS INC. | 915 SAXONBURG BLVD, STE 217 PITTSBURGH, PA 15223 | HIGHMARK INC. | $39K | — | $39K | 2.16% |
| VTC INSURANCE GROUP3 | ATTENTION MICHELE BOLSER P.O. BOX 2999 FARMING HILLS, MI 48333 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $54K | — | $54K | 3.59% |
| PAUL STANLEY JR3 Filed as: PAUL STANLEY | 186 KING GEORGE ST DANIEL ISLAND, SC 29492 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $13K | $13K | 3.11% |
| MICHELE L BOLSER3 Filed as: MICHELE L. BOLSER | P.O. BOX 2999 FARMINGTON HILLS, MI 48333 | BLUE CARE NETWORK OF MICHIGAN | $9K | — | $9K | 3.95% |
| PAUL STANLEY JR3 Filed as: PAUL STANLEY | 186 KING GEORGE ST DANIEL ISLAND, SC 29492 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 16.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC | 1040 6TH AVE NEW YORK, NY 10018 | HIGHMARK NEW YORK | $1K | — | $1K | 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 | — | $97 | $97 | 2.68% |
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 | 10,414 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 110 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,524 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 8 carriers) | UNITED STATES FIRE INSURANCE COMPANY | 1,819 | $28.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 7,492 | $2.4M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 7,492 | $2.4M |
| Life insurance(3 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 7,492 | $2.8M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $61K |
| Long-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,161 | $475K |
| Prescription drug(6 contracts, 6 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 575 | $12.7M |
| Other(5 contracts, 4 carriers) | UNITED STATES FIRE INSURANCE COMPANY | 7,492 | $20.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,492 | — |
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.