| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILSON PARTNERS II, LLC3 | 2250 BUTTERFIELD DRIVE STE. 210 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $33K | $0 | $33K | 3.41% |
| WILSON PARTNERS II, LLC3 | 2250 BUTTERFIELD DRIVE STE. 210 TROY, MI 48084 | METROPOLITAN LIFE INSURANCE CO | $5K | $0 | $5K | 4.08% |
| WILSON PARTNERS II, LLC3 | 2250 BUTTERFIELD DRIVE STE. 210 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.00% |
| WILSON PARTNERS II, LLC3 | 2250 BUTTERFIELD DRIVE STE. 210 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Other fees; Insurance services; Consulting (general); Direct payment from the plan Service code 12 | 600 E. LAFAYETTE DETROIT, MI 48362 | $103K |
| WILSON PARTNERS II, LLC EIN 74-3127886 BROKER | Non-monetary compensation; Insurance brokerage commissions and fees; Other commissions; Other fees; Insurance agents and brokers Service code 22 | 2250 BUTTERFIELD DR. STE. 210 TROY, MI 48084 | $0 |
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 | 271 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 170 | $972K |
| Dental | METROPOLITAN LIFE INSURANCE CO | 173 | $119K |
| Vision | METROPOLITAN LIFE INSURANCE CO | 173 | $119K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 271 | $62K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 109 | $32K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 170 | $972K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 271 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.