| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAYMOND D DEWEY3 Filed as: RAYMOND DEWEY | 333 BRIDGES ST NW STE 710 GRAND RAPIDS, MI 49504 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $160K | — | $160K | 2.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN | 333 BRIDGE ST NW SUITE 710 GRAND RAPIDS, MI 49504 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 0.04% |
| RAYMOND D DEWEY3 Filed as: RAYMOND DEWEY | 333 BRIDGES ST NW STE 710 GRAND RAPIDS, MI 49504 | BLUE CARE NETWORK OF MICHIGAN | $30K | — | $30K | 2.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN | 333 BRIDGE ST NW STE 710 GRAND RAPIDS, MI 49504 | BLUE CARE NETWORK OF MICHIGAN | — | $2K | $2K | 0.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN INC. | PO BOX 416719 BOSTON, MA 02241 | RELIASTAR LIFE INSURANCE COMPANY | $44K | — | $44K | 9.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | RAYMOND DEWEY 330 W COLLEGE AVE STE 201 APPLETON, WI 54911 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 1.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN, INC. | RAYMOND DEWEY PO BOX 416719 BOSTON, MA 02241 | DELTA DENTAL OF MICHIGAN | $2K | $198 | $3K | 0.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH AMERICA | ONE WORLD FINANCIAL CNTR 200 LIBERTY ST NEW YORK, NY 10281 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $150 | — | $150 | 10.18% |
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 | 561 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 55 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 628 | 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 | 1,262 | $6.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 1,211 | $394K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,262 | $5.5M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 0 | $448K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 0 | $448K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,262 | $6.5M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 18 | $450K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,262 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.