| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN INC | 26555 EVERGREEN RD STE 1600 SOUTHFIELD, MI 48076 | RELIASTAR LIFE INSURANCE COMPANY | $97K | — | $97K | 13.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN INC | 26555 EVERGREEN ROAD SOUTHFIELD, MI 48076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48K | — | $48K | 27.65% |
| ELISE M POLT3 | 201 W BURNSVILLE PKWY SUITE 116 BURNSVILLE, MN 55337 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 4.39% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 3.34% |
| ELISE M POLT3 | 201 W BURNSVILLE PKWY SUITE 116 BURNSVILLE, MN 55337 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 2.10% |
| LEESA J CHURCHILL3 | 7825 WASHINGTON AVENUE SOUTH BLOOMINGTON, MN 55439 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.19% |
| NICOLE D BLAKE3 | 1226 CULNER AVE NW BUFFALO, MN 55313 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN INC | 32255 NORTHWESTERN HWY STE 201 FARMINGTON HILLS, MI 48334 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 10.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | PO BOX 101162 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | — | $297 | $297 | 0.24% |
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 | 1,761 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,768 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STANDARD INSURANCE COMPANY | 1,002 | $123K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 0 | $699K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 0 | $699K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 566 | $871K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,002 | — |
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.