| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILSON PARTNERS II, LLC3 Filed as: WILSON PARTNERS II LLC | 2250 BUTTERFIELD DRIVE SUITE 210 TROY, MI 480841173 | DELTA DENTAL OF MICHIGAN | $4K | $0 | $4K | 4.87% |
| WILSON PARTNERS II, LLC3 Filed as: WILSON PARTNERS | 2250 BUTTERFIELD DRIVE SUITE 210 TROY, MI 480841173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| WILSON PARTNERS II, LLC3 Filed as: WILSON PARTNERS II LLC | 2250 BUTTERFIELD DRIVE SUITE 210 TROY, MI 480841173 | VISION SERVICE PLAN | $923 | $0 | $923 | 6.21% |
| WILSON PARTNERS II, LLC3 Filed as: WILSON PARTNERS | 2250 BUTTERFIELD DRIVE SUITE 210 TROY, MI 480841173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $144 | $0 | $144 | 6.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Direct payment from the plan; Contract Administrator; Claims processing; Insurance services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Consulting (general) Service code 12 | 600 E. LAFAYETTE BLVD. DETROIT, MI 482262998 | $87K |
| WILSON PARTNERS II LLC EIN 74-3127886 BROKER/AGENT | Other fees; Non-monetary compensation; Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | 2250 BUTTERFIELD DRIVE SUITE 210 TROY, MI 48084 | $13K |
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 | 176 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 207 | $81K |
| Vision | VISION SERVICE PLAN | 85 | $15K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 176 | $45K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 176 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.