| 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. | — | $20K | $20K | 0.35% |
| MICHELE L BOLSER3 | PO BOX 2999 FARMINGTON HILLS, MI 48333 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $65K | — | $65K | 1.82% |
| VTC INSURANCE GROUP3 | 1175 W LONG LAKE RD STE 200 TROY, MI 48098 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $959 | $959 | 0.03% |
| PAUL STANLEY JR3 Filed as: PAUL STANLEY | 186 KING GEORGE ST DANIEL ISLAND, SC 29492 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $213K | $59K | $272K | 14.38% |
| NATIONAL INSURANCE MARKETS INC3 Filed as: NATIONAL INSURANCE MARKETS INC. | 915 SAXONBURG BLVD, STE 217 PITTSBURGH, PA 15223 | HIGHMARK INC. | $33K | — | $33K | 2.03% |
| PAUL STANLEY JR3 Filed as: PAUL STANLEY | 186 KING GEORGE ST DANIEL ISLAND, SC 29492 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $12K | $12K | 2.89% |
| MICHELE L BOLSER3 | PO BOX 2999 FARMINGTON HILLS, MI 48333 | BLUE CARE NETWORK OF MICHIGAN | $3K | — | $3K | 1.56% |
| VTC INSURANCE GROUP3 | 1175 W LONG LAKE RD STE 200 TROY, MI 48098 | BLUE CARE NETWORK OF MICHIGAN | — | $131 | $131 | 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 | $2K | $8K | 16.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | ONE WORLD FINANCIAL CTR 200 LIBERTY ST NEW YORK, NY 10281 | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC | $697 | — | $697 | 3.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS | 500 N AKARD STREET SUITE 4300 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $63 | $63 | 1.80% |
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 | 9,283 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 533 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,853 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 8 carriers) | UNITED STATES FIRE INSURANCE COMPANY | 1,277 | $24.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 6,460 | $1.9M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 6,460 | $1.9M |
| Life insurance(3 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 6,460 | $2.3M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $50K |
| Long-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,204 | $452K |
| Prescription drug(6 contracts, 6 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 490 | $12.5M |
| Other(5 contracts, 4 carriers) | UNITED STATES FIRE INSURANCE COMPANY | 6,460 | $15.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,460 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.