| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N CLARK ST # 400 CHICAGO, IL 60654 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $222K | — | $222K | 1.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Claims processing Service code 12 | 600 EAST LAFAYETTE DETROIT, MI 48226 | $10.7M |
| AETNA EIN 06-6033492 TPA | Claims processing Service code 12 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $6.0M |
| TRANSITIONAL REINSURANCE FEES EIN 35-1443425 GOVERNMENT FEE | Other fees Service code 99 | — | $4.4M |
| BLUE CARE NETWORK EIN 38-2359234 TPA | Claims processing Service code 12 | — | $3.0M |
| DELTA DENTAL PLAN OF MICHIGAN EIN 38-1791480 TPA | Claims processing Service code 12 | 34505 W. TWELVE MILE ROAD FARMINGTON HILLS, MI 48331 | $1.4M |
| CVS CAREMARK EIN 95-3382344 TPA | Claims processing Service code 12 | — | $547K |
| RED BRICK EIN 20-5250594 TPA | Claims processing Service code 12 | — | $424K |
| MEDIGOLD EIN 31-1471229 TPA | Claims processing Service code 12 | — | $338K |
| MT CARMEL HEALTH PLAN FEES EIN 31-1471229 OTHER-EMPLOYEE HEALTH | Other services Service code 49 | — | $312K |
| ALLIED PRINTING COMPANY, INC. EIN 38-1413441 PRINTER | Copying and duplicating Service code 36 | 22438 WOODWARD AVENUE FERNDALE, MI 48220 | $273K |
| WAGEWORKS EIN 94-3351864 TPA | Claims processing Service code 12 | — | $261K |
| TOWERS WATSON EIN 23-1159360 ACTUARY | Actuarial Service code 11 | — | $246K |
| NORTH IOWA COMMUNITY HEALTHCARE LLC EIN 45-2878353 NETWORK ADMINISTRATOR | Contract Administrator Service code 13 | — | $236K |
| HEALTH EQUITY EIN 52-2383816 TPA | Claims processing Service code 12 | — | $221K |
| FINDLEY DAVIES EIN 34-1213174 COMMUNICATION CONSULTANT | Consulting (general) Service code 16 | — | $205K |
| HEALTH CHOICES EIN 42-1408270 TPA | Claims processing Service code 12 | 1605 ASSOCIATES DRIVE., SUITE 101 DUBUQUE, IA 52002 | $199K |
| PCORI EIN 27-3921172 GOVERNMENT HCR FEE | Other fees Service code 99 | 1828 L STREET, NW 9TH FLOOR WASHINGTON, DC 20036 | $177K |
| OUTSIDE THE LINES EIN 45-4202230 COMMUNICATION CONSULTANT | Consulting (general) Service code 16 | — | $59K |
| PETER CHANG ENTERPRISES EIN 38-2958486 INFORMATION MANAGEMENT | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $54K |
| MELLON BANK EIN 25-0659306 ADMINISTRATION | Contract Administrator Service code 13 | — | $17K |
| CORPORATE REWARDS EIN 90-0919879 OTHER-GIFT CARD WELLNESS | Other services Service code 49 | — | $6K |
| NORTHERN TRUST EIN 36-1561860 TRUSTEE | Trustee (directed) Service code 25 | — | $6K |
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 | 54,955 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 54,955 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | ADVANTAGE HEALTH SOLUTIONS, INC. | 5,000 | $51.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,000 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.