| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC Filed as: WATSON WYATT AND COMPANY | PO BOX 741909 ATLANTA, GA 30374 | BLUE CROSS BLUE SHIELDS OF MICHIGAN | $15K | — | $15K | 2.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELDS OF MICHIGAN EIN 38-2069753 TPA | Contract Administrator; Insurance agents and brokers; Direct payment from the plan; Other commissions; Consulting (general); Other fees; Non-monetary compensation; Claims processing; Insurance brokerage commissions and fees; Insurance services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | LA FAYETTE EAST DETROIT, MI 48226 | $1.2M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 0 | Claims processing; Contract Administrator Service code 12 | — | $95K |
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 | 1,942 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,955 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,713 | $95K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,950 | $1.5M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,950 | $1.5M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELDS OF MICHIGAN | 1,758 | $524K |
| Other(5 contracts, 5 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,042 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,042 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.