| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUSANNA M RUSSELL3 | 28411 NORTHWESTERN SUITE 500 SOUTHFIELD, MI 480345516 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $34K | — | $34K | 3.03% |
| WILLIS TOWERS WATSON US LLC3 | 26555 EVERGREEN ROAD SUITE 1600 SOUTHFIELD, MI 480764257 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $28K | $28K | 2.52% |
| MITCHELL ANDREWS3 | 28 HIDDEN BROOK DRIVE NORTH BARRINGTON, IL 600100010 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $10K | — | $10K | 0.92% |
| THE PLEXUS GROUPE LLC3 | 28 HIDDEN BROOK DRIVE NORTH BARRINGTON, IL 600100010 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $8K | $8K | 0.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | COMMISSION LOCKBOX 28852 NEW YORK, NY 100878852 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $17K | $7K | $24K | 3.13% |
| THE PLEXUS GROUPE LLC3 | 21805 WEST FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $8K | — | $8K | 1.06% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $2K | $2K | 0.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | COMMISSION LOCKBOX 28852 NEW YORK, NY 100878852 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $18K | $5K | $23K | 4.34% |
| THE PLEXUS GROUPE LLC3 | 21805 WEST FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $9K | — | $9K | 1.65% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $2K | $2K | 0.29% |
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $1K | $22K | 12.78% |
| THE PLEXUS GROUPE LLC3 | 21805 WEST FIELD PARKWAY SUITE 300 DEER PARK, IL 600103231 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $32 | $8K | 4.85% |
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $817 | $13K | 12.88% |
| THE PLEXUS GROUPE LLC3 | 21805 WEST FIELD PARKWAY SUITE 300 DEER PARK, IL 600103231 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $32 | $5K | 4.85% |
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 | 2,092 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,098 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 3,979 | $1.1M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 3,979 | $1.1M |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,092 | $767K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,092 | $523K |
| Other(3 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,092 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,979 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.