| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOPBENEFITS LLC3 | 3 BATTERYMARCH PARK, 4TH FLOOR QUINCY, MA 02169 | EYEMED VISION CARE | $576 | — | $576 | 0.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE | Other fees; Claims processing; Contract Administrator; Direct payment from the plan; Float revenue; Insurance services; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $14.8M |
| HEWITT EIN 36-2235791 NONE | Accounting (including auditing) Service code 10 | — | $3.3M |
| CASTLIGHT EIN 26-1989091 NONE | Consulting fees Service code 70 | — | $2.7M |
| DELTA DENTAL EIN 38-1791480 NONE | Contract Administrator Service code 13 | — | $666K |
| BELL LITHO INC. EIN 36-2550923 NONE | Other services Service code 49 | — | $218K |
| EYEMED VISION CARE EIN 86-0773195 NONE | Contract Administrator Service code 13 | — | $95K |
| HELPNET EAP EIN 38-2776791 EAP PROVIDER | Other services Service code 49 | — | $93K |
| EECOMM NONE | Consulting (general) Service code 16 | 700 TERRACE POINT ROAD, SUITE 300 MUSKEGON, MI 49440 | $64K |
| FIFTH THIRD BANK EIN 31-1051736 TRUSTEE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $22K |
| MILLER JOHNSON EIN 38-1603110 NONE | Legal Service code 29 | — | $15K |
| TIM HERSHNER DESIGN EIN 47-4214652 NONE | Accounting (including auditing) Service code 10 | — | $7K |
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 | 30,453 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 258 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 30,711 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 3,659 | $586K |
| Vision | EYEMED VISION CARE | 3,580 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,659 | — |
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.