| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | 200 LIBERTY ST F16 NEW YORK, NY 10281 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $38K | $38K | 1.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | 200 LIBERTY ST FI6 NEW YORK, NY 10281 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $15K | $15K | 1.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OKALHOMA INC | 208 N MILL ST PRYOR, OK 743612422 | UNITEDHEALTHCARE INSURANCE COMPANY | $52K | — | $52K | 5.20% |
| LAWRENCE SMITH3 Filed as: LAWRENCE D SMITH | 29840 NETWORK PLACE CHICAGO, IL 606731298 | BLUE CARE NETWORK OF MICHIGAN | $29K | — | $29K | 3.04% |
| TGG SOLUTIONS3 | 588 3 MILE ROAD NW STE 101 GRAND RAPIDS, MI 495449544 | BLUE CARE NETWORK OF MICHIGAN | $9K | — | $9K | 0.88% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - IL | 29840 NETWORK PL CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC | $19K | — | $19K | 3.05% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - IL | 29840 NETWORK PL CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC | $17K | — | $17K | 3.42% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVE OF THE AMERICAS 34TH FLOOR NEW YORK, NY 10036 | HARTFORD LIFE AND ACCIDENT | $2K | $147 | $3K | 26.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OKLAHOMA INC | 208 N MILL PRYOR PRYOR, OK 74361 | SUN LIFE ASSURANCE COMPANY OF CANADA | $155 | — | $155 | 9.97% |
| LAWRENCE SMITH3 Filed as: LAWRENCE D SMITH | 29840 NETWORK PLACE CHICAGO, IL 606731298 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $48 | — | $48 | 7.31% |
| TGG SOLUTIONS3 | 588 3 MILE ROAD NW STE 101 GRAND RAPIDS, MI 495449544 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $6 | — | $6 | 0.91% |
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 | 2,446 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,147 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,593 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | GEISINGER HEALTH PLAN | 173 | $5.8M |
| Dental(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 173 | $967K |
| Vision(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 173 | $965K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,489 | $2.3M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,390 | $1.1M |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 173 | $2.5M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 2,500 | $981K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,489 | — |
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.