| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOPBENEFITS LLC3 | 3 BATTERYMARCH PARK, 4TH FLOOR QUINCY, MA 02169 | EYEMED VISION CARE | $6K | — | $6K | 0.51% |
| TOPBENEFITS LLC3 | 3 BATTERYMARCH PARK, 4TH FLOOR QUINCY, MA 02169 | EYEMED VISION CARE | $2K | — | $2K | 0.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Insurance services; Float revenue; Direct payment from the plan; Other fees; Claims processing Service code 12 | — | $7.8M |
| BCN SERVICE COMPANY EIN 38-3134881 NONE | Contract Administrator Service code 13 | — | $4.1M |
| HEWITT EIN 36-2235791 NONE | Consulting (general) Service code 16 | — | $3.6M |
| REDBRICK HEALTH EIN 20-5250594 NONE | Other services Service code 49 | — | $1.8M |
| CASTLIGHT EIN 26-1989091 NONE | Consulting fees Service code 70 | — | $802K |
| DELTA DENTAL EIN 38-1791480 NONE | Contract Administrator Service code 13 | — | $618K |
| PARACON GROUP NONE | Consulting (general) Service code 16 | 360 MUTTONTOWN ROAD MUTTONTOWN, NY 11791 | $446K |
| HELPNET EAP EIN 38-2776791 EAP PROVIDER | Other services Service code 49 | — | $270K |
| KEAS NONE | Other services Service code 49 | 625 MARKET STREET SAN FRANCISCO, CA 94105 | $260K |
| RETURN ON COMMUNICATIONS EIN 36-4220885 NONE | Other services Service code 49 | — | $124K |
| ALERE EIN 04-3565120 NONE | Other services Service code 49 | — | $108K |
| BELL LITHO INC. EIN 36-2550923 NONE | Other services Service code 49 | — | $103K |
| EYEMED VISION CARE EIN 86-0773195 NONE | Contract Administrator Service code 13 | — | $101K |
| MILLER JOHNSON EIN 38-1603110 NONE | Legal Service code 29 | — | $90K |
| TIM HERSHNER DESIGN EIN 47-4214652 NONE | Other services Service code 49 | — | $41K |
| GLOBAL PRINTING EIN 54-1099321 NONE | Participant communication Service code 38 | — | $37K |
| FIFTH THIRD BANK EIN 31-1051736 TRUSTEE | Contract Administrator; Trustee (bank, trust company, or similar financial institution) Service code 13 | — | $29K |
| GILSON GRAPHICS EIN 38-1299908 NONE | Participant communication Service code 38 | — | $10K |
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 | 28,919 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 267 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 29,186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PARAMOUNT HEALTHCARE | 738 | $223K |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 36,877 | $9.4M |
| Vision(2 contracts) | EYEMED VISION CARE | 36,983 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 36,983 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.