| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAYMOND D DEWEY3 | 333 BRIDGE ST NW STE 710 GRAND RAPIDS, MI 49504 | BLUE CARE NETWORK OF MICHIGAN | $35K | — | $35K | 1.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN INC. | 32255 NORTHWESTERN HWY SUITE 201 FARMINGTON HILLS, MI 48334 | BLUE CARE NETWORK OF MICHIGAN | — | $5K | $5K | 0.18% |
| DEWEY, RAYMOND D.3 | 333 N BRIDGE ST NW STE 710 GRAND RAPIDS, MI 49504 | DELTA DENTAL OF MICHIGAN | $15K | — | $15K | 3.65% |
| RAYMOND D DEWEY3 | 333 BRIDGE ST NW SUITE 710 GRAND RAPIDS, MI 49504 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $6K | — | $6K | 1.51% |
| 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 | — | $655 | $655 | 0.16% |
| RAYMOND D DEWEY3 Filed as: RAYMOND D. DEWEY | 333 BRIDGE STREET NW SUITE 710 GRAND RAPIDS, MI 49504 | PRIORITY HEALTH | $11K | — | $11K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN INC. | 32255 NORTHWESTERN HWY SUITE 201 FARMINGTON HILLS, MI 48334 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $52K | — | $52K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN INC. | ONE TOWN SQUARE SUITE 800 SOUTHFIELD, MI 48086 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.32% |
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 | 605 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 609 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 592 | $3.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 770 | $420K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 353 | $110K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 605 | $348K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 605 | $348K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 605 | $348K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 592 | $2.5M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 605 | $348K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 770 | — |
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."
No prospect flags tripped on this filing.