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| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 CLAIMS ADMINISTRATION | Claims processing; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other fees; Contract Administrator; Direct payment from the plan; Insurance services Service code 12 | — | $1.7M |
| EVERNORTH BEHAVIORAL HEALTH, INC. EIN 41-1648670 EAP ADMINISTRATION | Claims processing; Contract Administrator; Participant communication; Direct payment from the plan Service code 12 | — | $297K |
| EVERNORTH BEHAVIORAL HEALTH, INC | Participant communication; Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $0 |
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 | 5,257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 2,718 | $17.5M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF CALIFORNIA | 2,740 | $6.9M |
| Vision(5 contracts) | VISION SERVICE PLAN | 3,921 | $5.1M |
| Life insurance(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 5,981 | $6.4M |
| Short-term disability(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 5,981 | $5.0M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 5,981 | $4.8M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 3,260 | $2.5M |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 5,981 | $5.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,981 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.