| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC | PO BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | SUN LIFE ASSURANCE COMPANY OF CANADA | $61K | — | $61K | 9.50% |
| WILLIS TOWERS WATSON US LLC | 800 NORTH GLEBE ROAD ARLINGTON, VA 22203 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $158K | — | $158K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2609753 TPA | Other commissions; Other fees; Insurance services; Non-monetary compensation; Claims processing; Insurance brokerage commissions and fees; Contract Administrator; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Direct payment from the plan; Insurance agents and brokers Service code 12 | LA FAYETTE EAST DETROIT, MI 48226 | $1.5M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 | Contract Administrator; Claims processing Service code 12 | — | $111K |
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 | 2,089 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 56 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 186 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 186 | $1.7M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,581 | $2.0M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,581 | $2.0M |
| Prescription drug | CVS HEALTH | 4,654 | $105K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,654 | $642K |
| Other(5 contracts, 5 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,493 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,654 | — |
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."
No prospect flags tripped on this filing.