| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $7K | $497 | $3K | +1287.3% |
| Broker comp per covered life | $0 | $0 | $12 | |
| Broker comp % of premium | 0.0% | 0.0% | 3.2% | |
| Retention rate | 3.2% | 0.0% | 0.7% | |
| Premium YoY % | -6.4% | 1.9% | 2.3% | -8.4 pp |
No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN NONE | Plan Administrator; Claims processing; Insurance services; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Actuarial; Accounting (including auditing); Direct payment from the plan Service code 10 | 600 E. LAFAYETTE AVE DETROIT, MI 48226 | $71.3M |
| EXPRESS SCRIPTS EIN 22-3461740 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $26.1M |
| RETIREE MEDICAL BENEFIT TRUST EIN 90-0424876 MANAGEMENT | Other fees; Employee (plan); Direct payment from the plan Service code 30 | — | $11.0M |
| AON HEWITT NONE | Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Accounting (including auditing); Plan Administrator Service code 10 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | $8.5M |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $7.7M |
| AUDIONET AMERICA, INC. NONE | Plan Administrator; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 14 | 33900 HARPER AVE. STE A-101 CLINTON TWP, MI 48035 | $3.2M |
| OAKTREE CAPITAL MANAGEMENT NONE | Direct payment from the plan; Investment management Service code 28 | 333 S. GRAND AVE SUITE 2800 LOS ANGELES, CA 90071 | $2.9M |
| DDJ CAPITAL MANAGEMENT, LLC EIN 04-3300754 NONE | Investment management; Direct payment from the plan Service code 28 | — | $2.3M |
| LSV ASSET MANAGEMENT EIN 23-2772200 NONE | Investment management fees paid directly by plan; Direct payment from the plan; Investment management Service code 28 | — | $2.1M |
| AMERRA CAPITAL MANAGEMENT, LLC EIN 26-4241845 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $2.1M |
| STATE STREET BANK & TRUST COMPANY EIN 04-1867445 NONE | Custodial (securities); Trustee (directed); Non-monetary compensation; Direct payment from the plan; Other fees Service code 19 | — | $1.9M |
| STATE STREET GLOBAL ADVISORS EIN 04-1867445 NONE | Custodial (securities); Custodial (other than securities); Investment management fees paid directly by plan; Soft dollars commissions; Direct payment from the plan Service code 18 | — | $1.9M |
| BLUE HARBOUR GROUP LP | Investment management fees paid indirectly by plan Service code 52 | — | $1.7M |
| VITAL DECISIONS LLC EIN 90-0480858 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $1.6M |
| WILLIS TOWERS WATSON EIN 53-0181291 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $1.5M |
| PYRAMIS GLOBAL ADVISORS LLC EIN 04-3432603 NONE | Investment management fees paid indirectly by plan; Direct payment from the plan; Investment management; Investment management fees paid directly by plan Service code 28 | — | $1.5M |
| GOLDMAN SACHS ASSET MANAGEMENT, LP EIN 13-3575636 NONE | Investment management fees paid directly by plan; Direct payment from the plan; Investment management Service code 28 | — | $1.4M |
| CASPIAN CAPITAL LP NONE | Investment management; Investment management fees paid directly by plan Service code 28 | 767 FIFTH AVE 45TH FLOOR NEW YORK, NY 10153 | $1.4M |
| EARNEST PARTNERS, LLC EIN 58-2386669 NONE | Soft dollars commissions; Direct payment from the plan; Investment management fees paid directly by plan; Investment management Service code 28 | — | $1.3M |
| ALPHA INVES PRTNER LTD(ASIA MACRO) NONE | Direct payment from the plan; Investment management Service code 28 | — | $1.2M |
| WELLINGTON TRUST COMPANY EIN 04-2755549 NONE | Trustee (bank, trust company, or similar financial institution); Investment management fees paid indirectly by plan; Direct payment from the plan; Investment management fees paid directly by plan Service code 21 | — | $1.2M |
| PRIMECAP MANAGEMENT COMPANY NONE | Investment management; Direct payment from the plan Service code 28 | LAKE AVENUE SUITE 400 PASADENA, CA 91101 | $1.2M |
| WELLINGTON MANAGEMENT COMPANY, LLP EIN 30-0835489 NONE | Investment management fees paid indirectly by plan; Soft dollars commissions; Investment management; Investment management fees paid directly by plan; Direct payment from the plan Service code 28 | — | $1.1M |
| TRUVEN HEALTH ANALYTICS EIN 06-1467923 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $1.1M |
| NISA INVESTMENT ADVISORS, LLC EIN 48-1140940 NONE | Investment management; Investment management fees paid directly by plan; Direct payment from the plan Service code 28 | — | $1.1M |
| GENESIS ASSET MANAGERS, LLP EIN 98-1068837 NONE | Investment management fees paid directly by plan; Direct payment from the plan; Investment management Service code 28 | — | $1.0M |
| BRIAN UNLIMITED DISTRIBUTION CO EIN 38-1622051 NONE | Direct payment from the plan; Other services Service code 49 | — | $953K |
| PRICEWATERHOUSE COOPER LLP EIN 13-4008324 NONE | Consulting (general); Consulting fees; Direct payment from the plan Service code 16 | — | $929K |
| CLARION PARTNERS NONE | Investment management; Investment management fees paid directly by plan Service code 28 | 1717 MCKINNEY AVENUE, SUITE 1900 DALLAS, TX 75202 | $906K |
| VIRTUS REAL ESTATE CAP II MGMT GP EIN 47-4413758 NONE | Investment management fees paid directly by plan; Investment management; Direct payment from the plan Service code 28 | — | $887K |
| YORKTOWN ENERGY PARTNERS XI LP EIN 81-1279864 NONE | Investment management; Direct payment from the plan Service code 28 | — | $884K |
| BTG PACTUAL ASSET MANAGEMENT US | Investment management fees paid indirectly by plan; Investment management Service code 28 | — | $847K |
| VERSCEND TECHNOLOGIES, INC. EIN 56-2059380 NONE | Direct payment from the plan; Other services Service code 49 | — | $837K |
| SECURITY CAPITAL RES'CH & MGMT INC. EIN 36-4130398 NONE | Investment management; Investment management fees paid directly by plan; Direct payment from the plan Service code 28 | — | $832K |
| BLACKROCK FINANCIAL MANAGEMENT EIN 13-3806691 NONE | Investment management fees paid directly by plan; Investment management; Direct payment from the plan Service code 28 | — | $823K |
| KPEIF GP, LLC EIN 47-1081520 NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | — | $814K |
| LOS ANGLES CAP MGMT & EQTY RES'CH EIN 02-0541198 NONE | Soft dollars commissions; Investment management; Direct payment from the plan Service code 28 | — | $769K |
| DAVIS VISION NONE | Direct payment from the plan; Other services Service code 49 | 175 E. HOUSTON STREET 5TH FLOOR SAN ANTONIO, TX 78205 | $733K |
| CORPORATE PARTNERS II MANAGEMENT NONE | Investment management; Investment management fees paid directly by plan; Direct payment from the plan Service code 28 | 45 ROCKEFELLER PLAZA, SUITE 1919 NEW YORK, NY 10111 | $717K |
| ALPHA INVES PRTNER LTD(EX JAPAN) NONE | Investment management; Direct payment from the plan Service code 28 | — | $716K |
| SANDS CAPITAL MANAGEMENT, LLC EIN 20-2830751 NONE | Investment management; Direct payment from the plan; Soft dollars commissions; Investment management fees paid directly by plan Service code 28 | — | $649K |
| ALTERNA CAPITAL PARTNERS LLC EIN 20-8404736 NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | — | $649K |
| EQUIAN, LLC EIN 27-0083277 NONE | Investment management; Direct payment from the plan Service code 28 | — | $647K |
| BROCK FIDUCIARY SERVICES LLC EIN 27-1863544 NONE | Investment management; Direct payment from the plan; Named fiduciary Service code 28 | — | $600K |
| BEACON HEALTH OPTIONS EIN 54-1414194 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $576K |
| BLACKROCK INSTITUTIONAL TRUST EIN 94-3112180 NONE | Direct payment from the plan; Investment management; Trustee (discretionary); Trustee (bank, trust company, or similar financial institution); Investment management fees paid directly by plan Service code 21 | — | $551K |
| GROOM LAW GROUP, CHARTERED EIN 52-1219029 NONE | Legal; Direct payment from the plan Service code 29 | — | $549K |
| ALLIANZ GLOBAL INVESTORS U.S. LLC NONE | Investment management; Investment management fees paid directly by plan; Direct payment from the plan Service code 28 | 1633 BROADWAY NEW YORK, NY 10019 | $511K |
| NEUBERGER BERMAN FIXED INCOME LLC EIN 02-0654486 NONE | Investment management; Direct payment from the plan; Investment management fees paid directly by plan Service code 28 | — | $493K |
| MILLIMAN INC. EIN 91-0675641 NONE | Consulting (general); Actuarial; Direct payment from the plan Service code 11 | — | $475K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 223,434 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,004 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 224,438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(18 contracts, 18 carriers) | BLUE CARE NETWORK OF MICHIGAN | 50,101 | $345.2M |
| Prescription drug(11 contracts, 11 carriers) | BLUE CARE NETWORK OF MICHIGAN | 28,384 | $241.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 50,101 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.