| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | INDEPENDENCE BLUE CROSS | $1.9M | — | $1.9M | 2.03% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $1.7M | $1.7M | 2.06% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | AETNA LIFE INSURANCE COMPANY | — | $920K | $920K | 2.09% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $736K | — | $736K | 2.00% |
| JOSEPH J HANEY Filed as: JOSEPH J. HANEY | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $83K | — | $83K | 0.88% |
| THE STERLING GROUP INC Filed as: STERLING AGENCY | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $14K | — | $14K | 0.15% |
| HEWITT INSURANCE BROKERAGE LLC4 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | GEISINGER QUALITY OPTIONS, INC. | $87K | — | $87K | 2.00% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | KAISER FOUNDATION HEALTH PLAN INC. | $136K | — | $136K | 3.14% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | INDEPENDENCE BLUE CROSS | $253K | — | $253K | 6.88% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | KAISER PERMANENTE - CA | $78K | — | $78K | 2.42% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $54K | — | $54K | 1.98% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $36K | — | $36K | 1.97% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | AETNA | $63K | — | $63K | 4.12% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $23K | — | $23K | 1.95% |
| GROUP ASSOCIATES, INC.5 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | BLUE CARE NETWORK | $3K | — | $3K | 0.36% |
| GROUP ASSOCIATES, INC.4 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | KAISER PERMANENTE MID ATLANTIC | $38K | — | $38K | 4.25% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | KAISER PERMANENTE - COLORADO | $19K | — | $19K | 2.25% |
| HEWITT INSURANCE BROKERAGE LLC3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | KAISER FOUNDATION HEALTH PLAN INC. | $15K | — | $15K | 2.00% |
| THE STERLING GROUP INC3 Filed as: STERLING AGENCY | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | HARTFORD LIFE AND ACCIDENT | $65K | — | $65K | 8.99% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | BLUE CROSS BLUE SHIELD OF RI | $548 | — | $548 | 0.08% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | UPMC HEALTH OPTIONS | $7K | — | $7K | 1.36% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | HEALTH NET | $9K | — | $9K | 1.91% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $17K | — | $17K | 4.21% |
| ACTION BENEFITS COMPANY4 Filed as: ACTION BENEFIT, 24600 | NORTHWESTERN HWY SOUTHFIELD, MI 48075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $4K | $4K | 1.04% |
| HEWITT INSURANCE BROKERAGE LLC3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | UPMC HEALTH OPTIONS | $8K | — | $8K | 1.96% |
| THE STERLING GROUP INC3 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 483131318 | UPMC HEALTH OPTIONS | — | — | $0 | 0.00% |
| HEWITT INSURANCE BROKERAGE LLC3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | UPMC HEALTH OPTIONS | $8K | — | $8K | 1.94% |
| HEWITT INSURANCE BROKERAGE LLC3 | 13900 LAKESIDE CIRCLE LINCOLNSHIRE, IL 60069 | UPMC HEALTH OPTIONS | $7K | — | $7K | 2.01% |
| HEWITT INSURANCE BROKERAGE LLC3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | DEAN HEALTH PLAN INC | $4K | — | $4K | 1.76% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | TRIPLE S SALUD, INC. | $12K | — | $12K | 5.00% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | KAISER FOUNDATION HEALTH PLAN INC. | $3K | — | $3K | 1.82% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | KAISER PERMANENTE MID ATLANTIC | $6K | — | $6K | 5.11% |
| GROUP ASSOCIATES, INC.4 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | UNITY HEALTH PLAN | $4K | — | $4K | 4.06% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | ANTHEM HEALTH PLANS | — | — | $0 | 0.00% |
| RICHARD CHELTEN3 | 4768 PARKVIEW CLARKSTON, MI 48346 | STANDARD LIFE AND ACCIDENT | $12K | — | $12K | 13.65% |
| HEWITT INSURANCE BROKERAGE LLC5 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | STANDARD LIFE AND ACCIDENT | $5K | — | $5K | 5.02% |
| MWL3 | PO BOX 14067 JACKSON, MS 39236 | STANDARD LIFE AND ACCIDENT | $5K | — | $5K | 5.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | PO BOX 310502 DES MOINES, IA 50306 | GENWORTH LIFE INSURANCE COMPANY | $9K | — | $9K | 15.02% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | HEALTH NET | $931 | — | $931 | 1.93% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | HEALTH NET | $693 | — | $693 | 2.00% |
| HEWITT INSURANCE BROKERAGE LLC | 39030 TREASURY CENTER CHICAGO, IL 606949000 | HEALTH NET | $677 | — | $677 | 2.00% |
| 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 LLC4 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | PREVA 360 | $133 | — | $133 | 2.00% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | HEALTH ALLIANCE PLAN | $83 | — | $83 | 1.45% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | PO BOX 10414 DES MOINES, IA 50306 | RELIASTAR LIFE INSURANCE COMPANY | $99 | — | $99 | 3.04% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | UNITEDHEALTHCARE OF CALIFORNIA | $41 | — | $41 | 2.05% |
| HEWITT INSURANCE BROKERAGE LLC3 | 9 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | UPMC HEALTH OPTIONS | $40 | — | $40 | 2.00% |
| HEWITT INSURANCE BROKERAGE LLC | 9 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | UPMC HEALTH OPTIONS | $31 | — | $31 | 1.97% |
| HEWITT INSURANCE BROKERAGE LLC3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | UPMC HEALTH OPTIONS | — | $10 | $10 | 2.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ACS HR SOLUTIONS EIN 51-0310342 NONE | Other services; Recordkeeping fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $3.7M |
| SMITH EDWARDS DUNLOP EIN 23-0539350 NONE | Copying and duplicating; Participant communication Service code 36 | — | $1.1M |
| HEWITT INSURANCE BROKERAGE NONE | Insurance agents and brokers Service code 22 | 39030 TREASURY CENTER CHICAGO, IL 60694 | $920K |
| GROUP ASSOCIATES EIN 38-2779844 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees Service code 13 | — | $416K |
| MORGAN LEWIS & BOCKIUS EIN 23-0891050 NONE | Legal; Consulting (general) Service code 16 | — | $401K |
| AON HEWITT EIN 22-2232264 NONE | Other services Service code 49 | — | $389K |
| ADP INC. EIN 13-3036745 NONE | Recordkeeping fees; Contract Administrator; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | — | $191K |
| JOSEPH J. HANEY INSURANCE AGENT/BROKER | Insurance brokerage commissions and fees; Other fees; Insurance agents and brokers; Other commissions; Non-monetary compensation Service code 22 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 483131318 | $83K |
| INGENIX CONSULTING/OPTUM EIN 41-1858498 NONE | Consulting (general) Service code 16 | — | $71K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $67K |
| THE STERLING GROUP INC INSURANCE AGENT/BROKER | Insurance brokerage commissions and fees; Non-monetary compensation; Insurance agents and brokers; Other fees; Other commissions Service code 22 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 483131318 | $14K |
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 | 32,136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 879 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 33,015 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(42 contracts, 27 carriers) | INDEPENDENCE BLUE CROSS | 16,432 | $287.4M |
| Dental(4 contracts, 4 carriers) | DELTA DENTAL OF PENNSYLVANIA | 50,799 | $17.0M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 27,125 | $2.8M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 946 | $963K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 946 | $724K |
| Prescription drug(11 contracts, 9 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 13,027 | $86.5M |
| Other(3 contracts, 3 carriers) | TRIPLE S SALUD, INC. | 59 | $299K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 50,799 | — |
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."
No prospect flags tripped on this filing.