| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC Filed as: LOCKTON DUNNING BENEFITS | 2100 ROSS AVE 1200 DALLAS, TX 75201 | GENWORTH LIFE INSURANCE COMPANY | $59K | — | $59K | 15.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Claims processing; Float revenue; Insurance services; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Direct payment from the plan; Contract Administrator Service code 12 | 600 E LAYFAYETTE BLVD DETROIT, MI 48226 | $3.6M |
| DENTAL DENTAL OF MICHIGAN EIN 38-1791480 TPA | Direct payment from the plan; Claims processing; Contract Administrator; Participant communication Service code 12 | 27500 STANSBURY BLVD FARMINGTON HILLS, MI 48334 | $322K |
| LIBERTY LIFE INSURANCE COMPANY EIN 04-6076039 TPA | Insurance services; Claims processing; Investment management; Contract Administrator; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 175 BERKELEY STREET BOSTON, MA 02116 | $235K |
| COMPSYCH EIN 36-3739783 EAP | Claims processing; Direct payment from the plan; Consulting (general); Participant communication; Contract Administrator Service code 12 | NBC TOWER, 13TH FLOOR 455 N CITYFRONT PLAZA DRIVE CHICAGO, IL 60611 | $176K |
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 | 8,109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 734 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 8,843 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 16,141 | $6.7M |
| Vision(2 contracts, 2 carriers) | VISION SERVICES PLAN | 5,238 | $1.8M |
| Life insurance | LIBERTY LIFE INSURANCE COMPANY OF BOSTON | 11,943 | $4.9M |
| Long-term disability | LIBERTY LIFE INSURANCE COMPANY OF BOSTON | 7,653 | $2.1M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 6,947 | $1.3M |
| Other(4 contracts, 4 carriers) | GENWORTH LIFE INSURANCE COMPANY | 8,109 | $920K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,141 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.