| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAYMOND D DEWEY3 | 333 BRIDGE ST NW, STE 710 GRAND RAPIDS, MI 49504 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $36K | $500 | $37K | 1.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN | 32255 N WESTERN HWY, STE 201 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $4K | $4K | 0.17% |
| RAYMOND D DEWEY3 Filed as: RAYMOND D. DEWEY | 333 BRIDGE ST NW, STE 710 GRAND RAPIDS, MI 49504 | BLUE CARE NETWORK OF MICHIGAN | $4K | — | $4K | 1.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MI | 32255 N. WESTERN HWY S 201 FARMINGTON HILLS, MI 48334 | BLUE CARE NETWORK OF MICHIGAN | — | $443 | $443 | 0.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN, INC. | 333 BRIDGE ST NW, STE 710 GRAND RAPIDS, MI 49504 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 3.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN INC | PO BOX 416719 BOSTON, MA 02241 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 8.18% |
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 | 466 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 473 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 559 | $2.8M |
| Dental | DELTA DENTAL OF MICHIGAN | 571 | $180K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 559 | $2.6M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 473 | $141K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 473 | $141K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 473 | $141K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 559 | $2.8M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 473 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 571 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.