| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN EDWARD JR. HALPIN3 Filed as: JOHN EDWARD JR HALPIN | 3000 TOWN CENTER DTE 2900 03 SOUTHFIELD, MI 480751214 | BLUE CARE NETWORK OF MICHIGAN | $8K | — | $8K | 0.42% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 753123042 | KAISER FOUNDATION HEALTH PLAN INC | $69K | — | $69K | 4.18% |
| AON CONSULTING INC3 Filed as: AON | ONE LIBERTY PLAZA 165 BROADWAY, STE 3201 NEW YORK, NY 10006 | ACE AMERICAN INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 NONE KNOWN | Contract Administrator; Direct payment from the plan; Insurance services Service code 13 | — | $3.1M |
| UNUM LIFE INSURANCE CO OF AMERICA EIN 01-0278678 NONE KNOWN | Contract Administrator; Insurance services; Direct payment from the plan Service code 13 | — | $287K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE KNOWN | Claims processing; Direct payment from the plan; Contract Administrator; Insurance services Service code 12 | — | $219K |
| PRIME THERAPEUTICS, LLC EIN 26-0076803 NONE KNOWN | Insurance services; Other services; Claims processing; Direct payment from the plan; Contract Administrator; Float revenue Service code 12 | — | $50K |
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 | 8,946 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,956 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 481 | $3.5M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 4,208 | $822K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 9,018 | $3.0M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9,292 | $2.3M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 481 | $3.5M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,066 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,292 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.