| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $2.1M | $2.1M | 1.84% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | INDEPENDENCE BLUE CROSS | — | $1.6M | $1.6M | 2.04% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES LLC | 39030 TREASURY CENTER CHICAGO, IL 60694 | INDEPENDENCE BLUE CROSS | — | $2K | $2K | 0.00% |
| JOSEPH J HANEY3 Filed as: JOSEPH J. HANEY | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 483131318 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $71K | $5K | $76K | 1.45% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | KAISER FOUNDATION HEALTH PLAN INC. | $84K | — | $84K | 2.00% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | KAISER FOUNDATION HEALTH PLAN INC. | $67K | — | $67K | 2.00% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | KAISER FOUNDATION HEALTH PLAN OF THE MID ATLANTIC | $59K | — | $59K | 1.95% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | INDEPENDENCE BLUE CROSS | $248K | — | $248K | 9.47% |
| HEWITT INSURANCE BROKERAGE LLC3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $37K | — | $37K | 2.04% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | UNITEDHEALTHCARE OF CALIFORNIA | $33K | — | $33K | 2.00% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | AETNA | $48K | — | $48K | 4.06% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | BLUE CARE NETWORK | $42K | — | $42K | 5.19% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | BLUE CROSS BLUE SHIELD OF RI | $9K | — | $9K | 1.22% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $13K | — | $13K | 1.79% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | KAISER PERMANENTE MID ATLANTIC | $23K | — | $23K | 3.80% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | BLUE CROSS BLUE SHIELD OF RI | $5K | — | $5K | 0.83% |
| THE STERLING GROUP INC3 Filed as: THE STERLING GROUP INC. | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | SUN LIFE ASSURANCE COMPANY OF CANADA | $69K | — | $69K | 11.63% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $11K | — | $11K | 1.89% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | HEALTH NET | $10K | — | $10K | 1.96% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | HEALTH ALLIANCE PLAN | $22K | — | $22K | 5.15% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $16K | — | $16K | 4.97% |
| ENRIQUE LOPEZ DEL CASTILLO | P.O. BOX 195562 SAN JUAN, PR 009195562 | MCS LIFE INSURANCE COMPANY | $6K | — | $6K | 2.37% |
| JORGE OPUENDO | CND. PZA RL CAP, APT. 312, CARR#2 GUAYNABO, PR 00966 | MCS LIFE INSURANCE COMPANY | $6K | — | $6K | 2.37% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | KAISER PERMANENTE OF HAWAII | $3K | — | $3K | 2.02% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | UNITY HEALTH PLAN | $5K | — | $5K | 4.23% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | KAISER PERMANENTE MID ATLANTIC | $6K | — | $6K | 5.89% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | UNITED HEALTH CARE | $5K | — | $5K | 4.84% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | DELTA DENTAL OF PENNSYLVANIA | $4K | — | $4K | 5.00% |
| RICHARD CHELTEN3 | 4768 PARKVIEW CLARKSTON, MI 48346 | STANDARD LIFE AND ACCIDENT | $12K | — | $12K | 13.83% |
| MWL3 | PO BOX 14067 JACKSON, MS 39236 | STANDARD LIFE AND ACCIDENT | $4K | — | $4K | 5.00% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | STANDARD LIFE AND ACCIDENT | $4K | — | $4K | 5.00% |
| ROBERT MALLEY3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | DEAN HEALTH PLAN INC. | $1K | — | $1K | 1.72% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | BLUE CROSS BLUE SHIELD OF RI | $4K | — | $4K | 4.39% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 7.00% |
| THE STERLING GROUP INC3 Filed as: THE STERLING GROUP INC. | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | — | $13K | 23.65% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | PO BOX 10414 DES MOINES, IA 50306 | GENWORTH LIFE INSURANCE COMPANY | $8K | — | $8K | 15.15% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | HEALTH NET | $178 | — | $178 | 2.00% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | HEALTH NET | $105 | — | $105 | 1.97% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | PO BOX 10414 DES MOINES, IA 50306 | RELIASTAR LIFE INSURANCE COMPANY | $99 | — | $99 | 3.49% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY | $43 | — | $43 | 1.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ACS HR SOLUTIONS EIN 51-0310342 NONE | Recordkeeping fees; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $4.0M |
| SMITH EDWARDS DUNLOP EIN 23-0539350 NONE | Copying and duplicating; Participant communication Service code 36 | — | $1.7M |
| HEWITT INSURANCE BROKERAGE NONE | Insurance agents and brokers Service code 22 | 39030 TREASURY CENTER CHICAGO, IL 60694 | $1.3M |
| GROUP ASSOCIATES EIN 38-2779844 NONE | Recordkeeping fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | — | $621K |
| AON HEWITT EIN 22-2232264 NONE | Other services Service code 49 | — | $361K |
| TOWERS WATSON EIN 23-1195360 NONE | Consulting (general) Service code 16 | — | $310K |
| MORGAN LEWIS & BOCKIUS EIN 23-0891050 NONE | Consulting (general); Legal Service code 16 | — | $259K |
| ADP INC. EIN 13-3036745 NONE | Recordkeeping fees; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication Service code 13 | — | $198K |
| AETNA EIN 06-6033492 NONE | Other services Service code 49 | — | $134K |
| INGENIX CONSULTING/OPTUM EIN 41-1858498 NONE | Consulting (general) Service code 16 | — | $66K |
| TFG PARTNERS EIN 14-1898306 NONE | Accounting (including auditing) Service code 10 | — | $60K |
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 | 32,477 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 181 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 32,658 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(37 contracts, 27 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 22,368 | $289.5M |
| Dental(6 contracts, 5 carriers) | DELTA DENTAL OF PENNSYLVANIA | 51,375 | $18.2M |
| Vision(3 contracts, 3 carriers) | VISION SERVICE PLAN | 26,384 | $2.5M |
| Life insurance(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 715 | $893K |
| Short-term disability(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 715 | $928K |
| Long-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 715 | $647K |
| Prescription drug(17 contracts, 13 carriers) | INDEPENDENCE BLUE CROSS | 387 | $9.7M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 700 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 51,375 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.