| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN | 333 BRIDGE ST NW STE 710 GRAND RAPIDS, MI 49504 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $145K | $4K | $149K | 3.07% |
| 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 | $30K | $2K | $31K | 3.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 333 BRIDGE ST NW STE 710 GRAND RAPIDS, MI 49504 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | — | $20K | 5.51% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLZ DR 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $9K | $9K | 2.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 330 W COLLEGE AVE APPLETON, WI 54911 | DELTA DENTAL OF MICHIGAN | $9K | — | $9K | 2.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN INC. | 26555 EVERGREEN RD STE 1600 SOUTHFIELD, MI 48076 | RELIASTAR LIFE INSURANCE COMPANY | $13K | — | $13K | 25.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH AMERICA | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST NEW YORK, NY 10281 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $999 | — | $999 | 17.00% |
| CALLETA PARTNERS LLC3 | 11775 CALLETA CT PALM BEACH GARDENS, FL 33418 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $117 | — | $117 | 1.99% |
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 | 589 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 42 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 640 | 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 | 941 | $5.9M |
| Dental | DELTA DENTAL OF MICHIGAN | 1,019 | $349K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 941 | $4.9M |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 589 | $419K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 589 | $419K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 941 | $5.9M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 589 | $425K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,019 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.