| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOPBENEFITS LLC3 | 3 BATTERYMARCH PARK, 4TH FLOOR QUINCY, MA 02169 | EYEMED VISION CARE | $4K | — | $4K | 0.40% |
| TOPBENEFITS LLC3 | 3 BATTERYMARCH PARK, 4TH FLOOR QUINCY, MA 02169 | EYEMED VISION CARE | $1K | — | $1K | 0.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE | Other fees; Insurance services; Float revenue; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Direct payment from the plan Service code 12 | — | $8.3M |
| BCN SERVICE COMPANY EIN 38-3134881 NONE | Contract Administrator Service code 13 | — | $5.1M |
| HEWITT EIN 36-2235791 NONE | Consulting (general) Service code 16 | — | $2.9M |
| KEAS NONE | Other services Service code 49 | 625 MARKET STREET SAN FRANCISCO, CA 94105 | $1.1M |
| CASTLIGHT EIN 26-1989091 NONE | Consulting fees Service code 70 | — | $1.1M |
| DELTA DENTAL EIN 38-1791480 NONE | Contract Administrator Service code 13 | — | $579K |
| HELPNET EAP EIN 38-2776791 EAP PROVIDER | Other services Service code 49 | — | $350K |
| TRESTLE TREE NONE | Consulting (general) Service code 16 | 3715 BUSINESS DRIVE, SUITE 202 FAYETTEVILLE, AR 72703 | $320K |
| ALERE EIN 04-3565120 NONE | Other services Service code 49 | — | $153K |
| TOWERS WATSON NONE | Consulting (general) Service code 16 | 71 SOUTH WACKER DRIVE CHICAGO, IL 606063414 | $127K |
| EECOMM NONE | Consulting (general) Service code 16 | 700 TERRACE POINT ROAD, SUITE 300 MUSKEGON, MI 49440 | $103K |
| BELL LITHO INC. EIN 36-2550923 NONE | Other services Service code 49 | — | $89K |
| EYEMED VISION CARE EIN 86-0773195 NONE | Contract Administrator Service code 13 | — | $81K |
| REDBRICK HEALTH EIN 20-5250594 NONE | Other services Service code 49 | — | $66K |
| FIFTH THIRD BANK EIN 31-1051736 TRUSTEE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $32K |
| PARACON GROUP NONE | Consulting (general) Service code 16 | 360 MUTTONTOWN ROAD MUTTONTOWN, NY 11791 | $26K |
| MILLER JOHNSON EIN 38-1603110 NONE | Legal Service code 29 | — | $15K |
| TIM HERSHNER DESIGN EIN 47-4214652 NONE | Other services Service code 49 | — | $9K |
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 | 30,607 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 252 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 30,859 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PARAMOUNT HEALTHCARE | 731 | $213K |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 37,531 | $9.4M |
| Vision(2 contracts) | EYEMED VISION CARE | 37,574 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 37,574 | — |
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.