| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $6K | $580 | $1K | +889.5% |
| Broker comp per covered life | $0 | $6 | $19 | -100.0% |
| Broker comp % of premium | 0.0% | 1.0% | 2.7% | -1.0 pp |
| Retention rate | 0.0% | 0.0% | 5.0% | |
| Premium YoY % | -4.6% | -1.1% | 105.3% | -3.5 pp |
No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN NONE | Actuarial; Direct payment from the plan; Plan Administrator; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing); Claims processing; Insurance services Service code 10 | 600 E. LAFAYETTE AVE DETROIT, MI 48226 | $68.6M |
| EXPRESS SCRIPTS EIN 22-3461740 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $24.0M |
| ALIGHT SOLUTIONS NONE | Consulting (general); Plan Administrator; Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 10 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | $13.5M |
| RETIREE MEDICAL BENEFIT TRUST EIN 90-0424876 STAFF | Other fees; Employee (plan); Direct payment from the plan Service code 30 | — | $12.5M |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $7.0M |
| 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 | $2.8M |
| AUDIONET AMERICA, INC. NONE | Plan Administrator; Investment management; Direct payment from the plan; Investment management fees paid indirectly by plan Service code 14 | 33900 HARPER AVE., LINTON TWP, MI 48035 | $2.5M |
| WELLINGTON MANAGEMENT COMPANY EIN 30-0835489 NONE | Investment management fees paid indirectly by plan; Investment management; Direct payment from the plan; Soft dollars commissions; Investment management fees paid directly by plan Service code 28 | — | $2.3M |
| VITAL DECISIONS LLC EIN 90-0480858 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $2.3M |
| LSV ASSET MANAGEMENT EIN 23-2772200 NONE | Direct payment from the plan; Investment management; Investment management fees paid directly by plan Service code 28 | — | $2.2M |
| STATE STREET BANK & TRUST COMPANY EIN 04-1867445 NONE | Non-monetary compensation; Direct payment from the plan; Other fees; Trustee (directed); Custodial (securities) Service code 19 | — | $2.1M |
| AMERRA CAPITALS MANAGEMENT, LLC EIN 26-4241845 NONE | Investment management fees paid directly by plan; Direct payment from the plan; Investment management Service code 28 | — | $2.1M |
| DDJ CAPITAL MANAGEMENT, LLC NONE | Direct payment from the plan; Consulting (general) Service code 16 | 130 TURNER STREET, BUILDING 3 SUITE 600 WALTHAM, MA 02453 | $1.9M |
| BLUE HARBOUR GROUP, LP EIN 56-2457376 NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $1.8M |
| STATE STREET GLOBAL ADVISORS EIN 04-1867445 NONE | Soft dollars commissions; Custodial (securities); Direct payment from the plan; Investment management fees paid directly by plan; Custodial (other than securities) Service code 18 | — | $1.8M |
| NISA INVESTMENT ADVISORS, LLC EIN 48-1140940 NONE | Investment management fees paid directly by plan; Investment management; Direct payment from the plan Service code 28 | — | $1.7M |
| EARNEST PARTNERS, LLC EIN 58-2386669 NONE | Soft dollars commissions; Direct payment from the plan; Investment management fees paid directly by plan Service code 50 | — | $1.4M |
| TRUVEN HEALTH ANALYTICS EIN 06-1467923 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $1.3M |
| WELLINGTON TRUST COMPANY EIN 04-2755549 NONE | Investment management fees paid indirectly by plan; Direct payment from the plan; Investment management fees paid directly by plan Service code 50 | — | $1.3M |
| PRIMECAP MANAGEMENT COMPANY NONE | Direct payment from the plan; Investment management Service code 28 | 177 E. COLORADO BLVD., 11TH FLOOR PASADENA, CA 91105 | $1.3M |
| KPEIF GP, LLC EIN 47-1085120 NONE | Investment management fees paid indirectly by plan Service code 52 | — | $1.2M |
| GOLDMAN SACHS ASSET MANAGEMENT, LP EIN 13-3575636 NONE | Investment management fees paid directly by plan; Non-monetary compensation; Investment management; Direct payment from the plan Service code 28 | — | $1.2M |
| BLUE CROSS OF BLUE SHIELD OF MI | Plan Administrator; Claims processing; Accounting (including auditing); Actuarial; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance services Service code 10 | — | $1.2M |
| BROOKFIELD ASSET MGMT PVT INS CAP | Investment management fees paid indirectly by plan Service code 52 | — | $1.2M |
| PYRAMIS GLOBAL ADVISORS LLC EIN 04-3432603 NONE | Direct payment from the plan; Investment management fees paid directly by plan; Investment management fees paid indirectly by plan Service code 50 | — | $1.1M |
| PRICEWATERHOUSE COOPER LLP NONE | Consulting (general); Direct payment from the plan; Consulting fees Service code 16 | 300 MADISON AVENUE NEW YORK, NY 100176204 | $976K |
| GENESIS ASSET MANAGERS, LLP EIN 98-1068837 NONE | Investment management fees paid directly by plan; Investment management; Direct payment from the plan Service code 28 | — | $969K |
| CONIFER VALUE BASED CARE LLC EIN 52-1964905 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $962K |
| VERSCEND TECHNOLOGIES, INC. EIN 56-2059380 NONE | Other services; Direct payment from the plan Service code 49 | — | $950K |
| LGT FUND MANAGERS (IRELAND) NONE | Direct payment from the plan; Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.); Investment management fees paid indirectly by plan Service code 10 | — | $941K |
| HUDSON ADVISORS LP | Investment advisory (plan); Other investment fees and expenses Service code 27 | — | $898K |
| SECURITY CAPITAL RSCH & MGMT INC EIN 36-4130398 NONE | Investment management fees paid directly by plan; Direct payment from the plan; Investment management Service code 28 | — | $873K |
| BRIAN UNLIMITED DISTRIBUTION CO EIN 38-1622051 NONE | Other services; Direct payment from the plan Service code 49 | — | $835K |
| BTG PACTUAL ASSET MANAGEMENT US LLC EIN 80-0260014 NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $825K |
| BLACKROCK INSTITUTIONAL TRUST CO EIN 94-3112180 NONE | Investment management fees paid directly by plan; Investment management; Direct payment from the plan; Trustee (bank, trust company, or similar financial institution); Trustee (discretionary) Service code 21 | — | $766K |
| LOS ANGLES CAP MGMT & EQTY RES'CH EIN 02-0541198 NONE | Direct payment from the plan; Soft dollars commissions; Investment management Service code 28 | — | $723K |
| ROBECO INSTITUTIONAL ASSET MGMT US EIN 13-3959209 NONE | Securities brokerage commissions and fees; Investment management fees paid indirectly by plan Service code 52 | — | $686K |
| SANDS CAPITAL MANAGEMENT, LLC EIN 20-2830751 NONE | Direct payment from the plan; Soft dollars commissions; Investment management fees paid directly by plan Service code 50 | — | $674K |
| GROOM LAW GROUP, CHARTERED EIN 52-1219029 NONE | Legal; Direct payment from the plan Service code 29 | — | $668K |
| DAVIS VISION EIN 11-3051991 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $667K |
| KAYNE ANDERSON RE ADVISERS V, LLC | Investment management fees paid indirectly by plan Service code 52 | — | $650K |
| BROCK FIDUCIARY SERVICES LLC EIN 27-1863544 NONE | Investment management; Named fiduciary; Direct payment from the plan Service code 28 | — | $614K |
| ALPHA INVES PARTNER LTD (EX JAPAN) NONE | Investment management; Direct payment from the plan Service code 28 | — | $534K |
| ALPHA INVES PARTNER LTD ASIA MACRO NONE | Direct payment from the plan; Investment management Service code 28 | — | $534K |
| BEACON HEALTH OPTIONS EIN 54-1414194 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $513K |
| WILLIS TOWERS WATSON EIN 53-0181291 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $502K |
| EQUIAN, LLC EIN 27-0083277 NONE | Investment management; Direct payment from the plan Service code 28 | — | $487K |
| MILLIMAN INC. EIN 91-0675641 NONE | Direct payment from the plan; Actuarial; Consulting (general) Service code 11 | — | $475K |
| DELOITTE CONSULTING LLP EIN 06-1454513 NONE | Direct payment from the plan; Consulting (general); Consulting fees Service code 16 | — | $435K |
| ROCATON INVESTMENT ADVISORS EIN 04-3638035 NONE | Direct payment from the plan; Consulting (general); Investment advisory (plan) Service code 16 | — | $433K |
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 | 216,280 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 969 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 217,249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(16 contracts, 16 carriers) | BLUE CARE NETWORK OF MICHIGAN | 57,318 | $329.2M |
| Vision | BLUE CARE NETWORK OF MICHIGAN | 27,396 | $106.4M |
| Prescription drug(9 contracts, 9 carriers) | BLUE CARE NETWORK OF MICHIGAN | 27,396 | $216.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 57,318 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.