| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAYMOND D DEWEY3 | 333 BRIDGE ST NW SUITE 710 GRAND RAPIDS, MI 49504 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $112K | — | $112K | 3.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN, INC. | 3196 KRAFT AVE SE GRAND RAPIDS, MI 49512 | BLUE CARE NETWORK OF MICHIGAN | $12K | — | $12K | 3.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN INC | 3196 KRAFT AVE SE GRAND RAPIDS, MI 49512 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $4K | $22K | 8.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN, INC. | 333 BRIDGE ST NW SUITE 710 GRAND RAPIDS, MI 49504 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 2.49% |
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 | 316 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 891 | $4.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 920 | $215K |
| Vision | BLUE CARE NETWORK OF MICHIGAN | 97 | $368K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 433 | $252K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 433 | $252K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 97 | $368K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 433 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 920 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.