| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT A KELLEHER3 Filed as: ROBERT A. WILSON | 2250 BUTTERFIELD DRIVE SUITE 210 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $23K | $0 | $23K | 3.48% |
| WILSON PARTNERS II, LLC3 | 2250 BUTTERFIELD DRIVE SUITE 210 TROY, MI 48084 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $20 | $5K | 4.32% |
| WILSON PARTNERS II, LLC3 | 2250 BUTTERFIELD DRIVE SUITE 210 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.00% |
| WILSON PARTNERS II, LLC3 | 2250 BUTTERFIELD DRIVE SUITE 210 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.00% |
| WILSON PARTNERS II, LLC3 | 2250 BUTTERFIELD DRIVE SUITE 210 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.00% |
| WILSON PARTNERS II, LLC3 | 2250 BUTTERFIELD DRIVE SUITE 210 TROY, MI 48084 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $120 | $0 | $120 | 4.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Direct payment from the plan; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Insurance services; Other fees; Contract Administrator; Float revenue Service code 12 | 600 E. LAFAYETTE BLVD DETROIT, MI 48226 | $117K |
| WEX HEALTH, INC. EIN 06-1593514 TPA | Participant communication; Recordkeeping fees; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 1 HANCOCK STREET PORTLAND, ME 04101 | $6K |
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 | 277 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 277 | $670K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 293 | $116K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 293 | $116K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 235 | $59K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 93 | $28K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 63 | $22K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 277 | $670K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 277 | $670K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 235 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.