| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOPBENEFITS LLC3 | 3 BATTERYMARCH PARK, 4TH FLOOR QUINCY, MA 02169 | EYEMED VISION CARE | $326 | — | $326 | 0.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE | Contract Administrator; Claims processing; Other fees; Insurance services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Direct payment from the plan Service code 12 | — | $14.2M |
| HEWITT EIN 36-2235791 NONE | Accounting (including auditing) Service code 10 | — | $2.9M |
| CASTLIGHT EIN 26-1989091 NONE | Consulting fees Service code 70 | — | $2.1M |
| DELTA DENTAL EIN 38-1791480 NONE | Contract Administrator Service code 13 | — | $670K |
| HELPNET EAP EIN 38-2776791 EAP PROVIDER | Other services Service code 49 | — | $372K |
| BCN SERVICE COMPANY EIN 38-3134881 NONE | Contract Administrator Service code 13 | — | $251K |
| BELL LITHO INC. EIN 36-2550923 NONE | Other services Service code 49 | — | $237K |
| AON CONSULTING, INC NONE | Consulting (general) Service code 16 | 29695 NETWORK PLACE CHICAGO, IL 606731296 | $126K |
| EYEMED VISION CARE EIN 86-0773195 NONE | Contract Administrator Service code 13 | — | $97K |
| EECOMM NONE | Consulting (general) Service code 16 | 700 TERRACE POINT ROAD, SUITE 300 MUSKEGON, MI 49440 | $78K |
| FIFTH THIRD BANK EIN 31-1051736 TRUSTEE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $45K |
| GILSON GRAPHICS EIN 38-1299908 NONE | Participant communication Service code 38 | — | $44K |
| ROCKET SCIENCE CREATIVE LLC NONE | Other services Service code 49 | 400 ANN ST NW GRAND RAPIDS, MI 49504 | $35K |
| MILLER JOHNSON EIN 38-1603110 NONE | Legal Service code 29 | — | $18K |
| TIM HERSHNER DESIGN EIN 47-4214652 NONE | Accounting (including auditing) Service code 10 | — | $15K |
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 | 31,450 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 303 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 31,753 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 3,829 | $598K |
| Vision | EYEMED VISION CARE | 3,889 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,889 | — |
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."
No prospect flags tripped on this filing.