| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAYMOND D DEWEY3 Filed as: RAYMOND DEWEY | 333 BRIDGE STREET NW, SUITE 710 GRAND RAPIDS, MI 49504 | BLUECROSS BLUESHIELD OF MICHIGAN | $46K | $0 | $46K | 1.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN | 32255 N WESTERN HWY S-201 FARMINGTON HILLS, MI 48334 | BLUECROSS BLUESHIELD OF MICHIGAN | $0 | $4K | $4K | 0.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN, INC | 26555 EVERGREEN ROAD, SUITE 1600 SOUTHFIELD, MI 48076 | HEALTH ALLIANCE PLAN | $31K | $0 | $31K | 2.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN, INC | 32255 NORTHWESTERN HWY FARMINGTON HILLS, MI 48334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $13K | 7.54% |
| ENROLLMENT RESOURCES GROUP3 | 233 S WACKER DRIVE, SUITE 1875 CHICAGO, IL 60603 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 2.93% |
| GRIFFIN, STEVEN, RAY3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $827 | $0 | $827 | 1.93% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN, INC | PO BOX 93063 CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $781 | $17 | $798 | 1.86% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN, INC | 32255 NORTHWESTERN HWY, STE 201 FARMINGTON HILLS, MI 48375 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $468 | $6K | 16.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN, INC | PO BOX 93063 CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $755 | $0 | $755 | 2.39% |
| GRIFFIN, STEVEN, RAY3 | 2000 MORRIS AVENUE, SUITE 1400 BIRGMINHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $674 | $0 | $674 | 2.13% |
| ENROLLMENT RESOURCES GROUP3 | 233 S WACKER DRIVE, SUITE 1875 CHICAGO, IL 60603 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $523 | $0 | $523 | 1.65% |
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 | 313 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF MICHIGAN | 480 | $4.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 773 | $176K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 333 | $241K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 333 | $204K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 333 | $172K |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF MICHIGAN | 480 | $4.3M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 333 | $253K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 773 | — |
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.