| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHARON SCHLENKER3 | 3025 HIGHLAND PARKWAY STE 650 DOWNERS GROVE, IL 605150515 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $37K | $0 | $37K | 1.30% |
| DOUGLAS TRUAX3 | 1900 SPRING RD STE 530 OAK BROOK, IL 605230523 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $720 | $0 | $720 | 0.03% |
| SHARON SCHLENKER3 | 3025 HIGHLAND PARKWAY STE 650 DOWNERS GROVE, IL 60515 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $17K | $0 | $17K | 1.72% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES, LLC | 3025 HIGHLAND PARKWAY, STE 650 DOWNERS GROVE, IL 60515 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $68K | $0 | $68K | 7.39% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $62 | $62 | 0.01% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES, LLC | 1900 SPRING RD OAK BROOK, IL 60523 | DELTA DENTAL OF MICHIGAN | $9K | $0 | $9K | 4.65% |
| NATIONAL BENEFIT CONSULTANTS, INC.3 | 208 E OAK CREST DRIVE WALES, WI 53183 | UNITED AMERICAN INSURANCE COMPANY | $15K | $0 | $15K | 9.45% |
| NATIONAL BENEFITS CONSULTANTS, INC.3 | 208 E OAK CREST DRIVE WALES, WI 53183 | EXPRESS SCRIPTS, INC | $3K | $0 | $3K | 2.14% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES - BOR | 3025 HIGHLAND PARKWAY, SUITE 650 DOWNERS GROVE, IL 60515 | EYEMED VISION CARE | $2K | $0 | $2K | 9.75% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES - BOR | 3025 HIGHLAND PARKWAY, SUITE 650 DOWNERS GROVE, IL 60515 | EYEMED VISION CARE | $529 | $0 | $529 | 9.34% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES - BOR | 3025 HIGHLAND PARKWAY, SUITE 650 DOWNERS GROVE, IL 60515 | EYEMED VISION CARE | $466 | $0 | $466 | 10.04% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES - BOR | 3025 HIGHLAND PARKWAY, SUITE 650 DOWNERS GROVE, IL 60515 | EYEMED VISION CARE | $421 | $0 | $421 | 10.20% |
| VERITAS RISK SERVICES3 Filed as: VERITAS RISK SERVICES - BOR | 3025 HIGHLAND PARKWAY, SUITE 650 DOWNERS GROVE, IL 60515 | EYEMED VISION CARE | $179 | $0 | $179 | 10.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STATE STREET BANK AND TRUST EIN 04-1867445 NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $60K |
| TOWERS WATSON INVESTMENT SVC INC EIN 52-1868818 NONE | Direct payment from the plan; Investment management; Securities brokerage; Investment management fees paid directly by plan Service code 28 | — | $48K |
| TOWERS WATSON DELAWARE INC. EIN 53-0181291 NONE | Securities brokerage; Investment management fees paid directly by plan; Investment management Service code 28 | — | $28K |
| SCHENCK SC EIN 39-1173131 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $14K |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 315 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 495 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 619 | $4.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 565 | $203K |
| Vision(6 contracts) | EYEMED VISION CARE | 295 | $41K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 390 | $914K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 390 | $914K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 390 | $914K |
| Prescription drug(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 619 | $4.0M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 390 | $919K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 619 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.