| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAYMOND D DEWEY3 Filed as: RAYMOND D. DEWEY | 333 BRIDGE STREET NW, SUITE 710 GRAND RAPIDS, MI 49504 | BLUECROSS BLUESHIELD OF MICHIGAN | $26K | $472 | $27K | 1.02% |
| TERESA BRYNER3 Filed as: TERESA L. BRYNER | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | BLUECROSS BLUESHIELD OF MICHIGAN | $13K | $0 | $13K | 0.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN, INC. | 333 BRIDGE STREET NW, SUITE 710 GRAND RAPIDS, MI 49504 | BLUECROSS BLUESHIELD OF MICHIGAN | $0 | $1K | $1K | 0.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN, INC. | 26555 EVERGREEN ROAD, SUITE 1600 SOUTHFIELD, MI 48076 | HEALTH ALLIANCE PLAN | $19K | $0 | $19K | 1.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | HEALTH ALLIANCE PLAN | $15K | $0 | $15K | 1.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 5.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN, INC. | 32255 NORTHWESTERN HIGHWAY SUITE 201 FARMINGTON HILLS, MI 48375 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $528 | $2K | 1.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 0.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN, INC. | 333 BRIDGE STREET NW, SUITE 710 GRAND RAPIDS, MI 49504 | DELTA DENTAL OF MICHIGAN | $1K | $0 | $1K | 0.77% |
| ENROLLMENT RESOURCES GROUP3 | 233 SOUTH WACKER DRIVE, SUITE 2000 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 2.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN, INC. | PO BOX 93063 CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $802 | $22 | $824 | 2.02% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $769 | $0 | $769 | 1.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 10.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN, INC. | 32255 NORTHWESTERN HIGHWAY SUITE 201 FARMINGTON HILLS, MI 48375 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $147 | $2K | 4.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $348 | $348 | 0.88% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $589 | $0 | $589 | 1.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN, INC. | PO BOX 93063 CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $586 | $2 | $588 | 1.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 233 SOUTH WACKER DRIVE, SUITE 2000 CHICAGO, IL 60606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $500 | $0 | $500 | 1.68% |
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 | 314 | 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) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF MICHIGAN | 470 | $4.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 737 | $156K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 326 | $240K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 326 | $200K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 326 | $170K |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF MICHIGAN | 470 | $4.2M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 326 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 737 | — |
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.