| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 | COMMISION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | BCS INSURANCE COMPANY | — | $52K | $52K | 6.26% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF MICHIGAN | 600 E. LAFAYETTE BLVD. DETROIT, MI 482262998 | BCS INSURANCE COMPANY | — | $43K | $43K | 5.22% |
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 | 1,725 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,745 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 11 | $45K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 11 | $45K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,253 | $457K |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 1,731 | $815K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 23 | $7K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 1,406 | $826K |
| Other(4 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 390 | $296K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,731 | — |
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."
No prospect flags tripped on this filing.