| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC | 800 NORTH GLEBE ROAD ARLINGTON, VA 22203 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $158K | — | $158K | 11.40% |
| WILLIS TOWERS WATSON US LLC | PO BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | SUNLIFE ASSURANCE COMPANY OF CANADA | $58K | — | $58K | 8.70% |
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 | 2,019 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 65 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,084 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 189 | $3.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 189 | $1.9M |
| Life insurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 2,548 | $2.0M |
| Long-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 2,548 | $2.0M |
| Prescription drug | CVS HEALTH | 0 | $69K |
| Stop-loss / reinsurancereinsurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 1,679 | $667K |
| Other(4 contracts, 4 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 2,548 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,548 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.