| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | INDEPENDENCE BLUE CROSS | — | $1.9M | $1.9M | 1.95% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | UNITEDHEALTHCARE INSURANCE COMPANY | $38K | $1.9M | $2.0M | 2.12% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $173K | $173K | 2.00% |
| JOSEPH J HANEY3 Filed as: JOSEPH J. HANEY | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 483131318 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $75K | — | $75K | 1.12% |
| THE STERLING GROUP INC3 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 483131318 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $12K | — | $12K | 0.18% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | INDEPENDENCE BLUE CROSS | $278K | — | $278K | 5.52% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | KAISER FOUNDATION HEALTH PLAN INC. | $66K | — | $66K | 1.65% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | KAISER FOUNDATION HEALTH PLAN INC. | $9K | — | $9K | 0.23% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $56K | — | $56K | 2.03% |
| HEWITT INSURANCE BROKERAGE LLC3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $33K | — | $33K | 2.01% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | AETNA | $57K | — | $57K | 4.10% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | UNITEDHEALTHCARE OF CALIFORNIA | $26K | — | $26K | 2.04% |
| HEWITT INSURANCE BROKERAGE LLC3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | GEISINGER QUALITY OPTIONS, INC. | $25K | — | $25K | 2.00% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | BLUE CARE NETWORK | $40K | — | $40K | 4.49% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $17K | — | $17K | 1.96% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | KAISER PERMANENTE MID ATLANTIC | $33K | — | $33K | 4.34% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | BLUE CROSS BLUE SHIELD OF RI | $6K | — | $6K | 0.99% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $12K | — | $12K | 1.96% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | HEALTH NET | $10K | — | $10K | 1.92% |
| HEWITT INSURANCE BROKERAGE LLC3 | — | UPMC HEALTH OPTIONS | $7K | — | $7K | 1.85% |
| HEWITT INSURANCE BROKERAGE LLC3 | — | UPMC HEALTH OPTIONS | $7K | — | $7K | 1.83% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $15K | — | $15K | 4.22% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | BLUE CROSS BLUE SHIELD OF RI | $4K | — | $4K | 1.18% |
| HEWITT INSURANCE BROKERAGE LLC3 | — | UPMC HEALTH OPTIONS | $5K | — | $5K | 1.81% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | KAISER PERMANENTE OF COLORADO | $1K | — | $1K | 0.41% |
| HEWITT INSURANCE BROKERAGE LLC3 | — | UPMC HEALTH OPTIONS | $4K | — | $4K | 1.83% |
| CGF INSURANCE LLC3 Filed as: CGF INSURANCE, LLC | — | TRIPLE S SALUD, INC. | $8K | — | $8K | 5.00% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | KAISER PERMANENTE OF HAWAII | $3K | — | $3K | 1.98% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | DELTA DENTAL OF PENNSYLVANIA | $6K | — | $6K | 5.00% |
| HEWITT INSURANCE BROKERAGE LLC3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | DEAN HEALTH PLAN INC | $2K | — | $2K | 1.81% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | UNITY HEALTH PLAN | $5K | — | $5K | 3.92% |
| GROUP ASSOCIATES, INC.4 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | KAISER PERMANENTE MID ATLANTIC | $6K | — | $6K | 5.97% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | BLUE CROSS BLUE SHIELD OF RI | $3K | — | $3K | 2.96% |
| RICHARD CHELTEN3 | 4768 PARKVIEW CLARKSTON, MI 48346 | STANDARD LIFE AND ACCIDENT | $12K | — | $12K | 13.66% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | STANDARD LIFE AND ACCIDENT | $4K | — | $4K | 5.01% |
| MWL3 | PO BOX 14067 JACKSON, MS 39236 | STANDARD LIFE AND ACCIDENT | $4K | — | $4K | 5.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | PO BOX 10414 DES MOINES, IA 50306 | GENWORTH LIFE INSURANCE COMPANY | $8K | — | $8K | 15.13% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | HEALTH ALLIANCE PLAN | $2K | — | $2K | 5.01% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.00% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | HEALTH NET | $584 | — | $584 | 2.00% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | HEALTH NET | $280 | — | $280 | 1.83% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | PO BOX 10414 DES MOINES, IA 50306 | RELIASTAR LIFE INSURANCE COMPANY | $82 | — | $82 | 2.30% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY | $35 | — | $35 | 0.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ACS HR SOLUTIONS EIN 51-0310342 NONE | Recordkeeping fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 15 | — | $3.7M |
| SMITH EDWARDS DUNLOP EIN 23-0539350 NONE | Participant communication; Copying and duplicating Service code 36 | — | $1.3M |
| HEWITT INSURANCE BROKERAGE NONE | Insurance agents and brokers Service code 22 | 39030 TREASURY CENTER CHICAGO, IL 60694 | $1.2M |
| GROUP ASSOCIATES EIN 38-2779844 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees Service code 13 | — | $597K |
| AON HEWITT EIN 22-2232264 NONE | Other services Service code 49 | — | $569K |
| MORGAN LEWIS & BOCKIUS EIN 23-0891050 NONE | Consulting (general); Legal Service code 16 | — | $321K |
| ADP INC. EIN 13-3036745 NONE | Participant communication; Recordkeeping fees; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | — | $229K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $190K |
| INGENIX CONSULTING/OPTUM EIN 41-1858498 NONE | Consulting (general) Service code 16 | — | $75K |
| JOSEPH J. HANEY INSURANCE AGENT/BROKER | Other fees; Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees; Non-monetary compensation Service code 22 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 483131318 | $75K |
| THE STERLING GROUP INC INSURANCE AGENT/BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions; Other fees; Non-monetary compensation Service code 22 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 483131318 | $12K |
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 | 32,911 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 361 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 33,272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(40 contracts, 27 carriers) | INDEPENDENCE BLUE CROSS | 18,206 | $295.6M |
| Dental(7 contracts, 6 carriers) | DELTA DENTAL OF PENNSYLVANIA | 47,474 | $23.7M |
| Vision(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 26,141 | $9.3M |
| Life insurance(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 796 | $164K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 796 | $0 |
| Prescription drug(18 contracts, 14 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,800 | $21.2M |
| Other(3 contracts, 3 carriers) | TRIPLE S SALUD, INC. | 60 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 47,474 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.