| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGAR MARK GREGORY IV3 | 32255 N. WESTERN HWY SUITE 201 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $42K | — | $42K | 1.86% |
| RAYMOND D DEWEY3 | 333 BRIDGE ST NW SUITE 710 GRAND RAPIDS, MI 49504 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | — | $3K | 0.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN | 32255 N. WESTERN HWY SUITE 201 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $3K | $3K | 0.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN, INC. | 32255 NORTHWESTERN HWY. SUITE 201 FARMINGTON HILLS, MI 48334 | HEALTH ALLIANCE PLAN OF MICHIGAN | $28K | — | $28K | 2.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN, INC. | 333 BRIDGE ST NW SUITE 710 GRAND RAPIDS, MI 49504 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 4.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN INC. | PO BOX 93063 CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $2K | $17K | 10.85% |
No Schedule C service providers reported on this filing.
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 | 321 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 524 | $3.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 793 | $170K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 340 | $159K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 340 | $159K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 340 | $159K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 524 | $2.2M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 340 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 793 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.