| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON ACTIVE HEALTH EXCHANGE | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | INDEPENDENCE BLUE CROSS | $0 | — | $0 | 0.00% |
| THE STERLING GROUP INC3 Filed as: STERLING GROUP INC | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $88K | — | $88K | 0.97% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD SUITE 3800 BINGHAM FARMS, MI 48025 | INDEPENDENCE BLUE CROSS | $412K | — | $412K | 5.69% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | KAISER PERMANENTE - CA | $66K | — | $66K | 1.86% |
| MAESTRO HEALTH3 | 500 W MADISON, STE 1250 CHICAGO, IL 60661 | UPMC HEALTH OPTIONS | $62K | — | $62K | 1.85% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | KAISER FOUNDATION HEALTH PLAN INC. | $82K | — | $82K | 2.46% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | GEISINGER QUALITY OPTIONS, INC. | $60K | $1K | $62K | 2.04% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $59K | — | $59K | 1.99% |
| HEWITT INSURANCE BROKERAGE LLC3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $41K | — | $41K | 2.00% |
| MAESTRO HEALTH3 | 500 W MADISON, STE 1250 CHICAGO, IL 60661 | AETNA | $73K | — | $73K | 4.20% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $28K | — | $28K | 1.96% |
| MAESTRO HEALTH3 | 500 W MADISON, STE 1250 CHICAGO, IL 60661 | KAISER PERMANENTE MID ATLANTIC | $41K | — | $41K | 4.10% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | KAISER PERMANENTE - COLORADO | $18K | — | $18K | 1.99% |
| MAESTRO HEALTH3 | 500 W MADISON, STE 1250 CHICAGO, IL 60661 | BLUE CARE NETWORK | $36K | — | $36K | 3.98% |
| THE STERLING GROUP INC3 Filed as: STERLING GROUP INC | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | METROPOLITAN LIFE INSURANCE COMPANY | $45K | $2K | $47K | 5.24% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | UPMC HEALTH OPTIONS | $14K | — | $14K | 1.80% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | KAISER FOUNDATION HEALTH PLAN INC. | $16K | — | $16K | 1.99% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | UPMC HEALTH OPTIONS | $12K | — | $12K | 1.72% |
| MAESTRO HEALTH3 | 500 W MADISON, STE 1250 CHICAGO, IL 60661 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $19K | — | $19K | 3.98% |
| ACTION BENEFITS COMPANY3 Filed as: ACTION BENEFITS | 24600 NORTHWESTERN HWY SOUTHFIELD, MI 48075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | — | $5K | 1.04% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | HEALTH NET | $8K | — | $8K | 1.93% |
| CGF INSURANCE LLC3 | 22 AVE GONZALEZ GUISI GUAYNABO, PR 99999 | TRIPLE S SALUD, INC. | $12K | — | $12K | 5.00% |
| HEWITT INSURANCE BROKERAGE LLC3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | DEAN HEALTH PLAN INC | $4K | — | $4K | 1.89% |
| HEWITT INSURANCE BROKERAGE LLC3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $4K | — | $4K | 1.89% |
| MAESTRO HEALTH3 | 500 W MADISON, STE 1250 CHICAGO, IL 60661 | UPMC HEALTH OPTIONS | $3K | — | $3K | 1.82% |
| MAESTRO HEALTH3 | 500 W MADISON, STE 1250 CHICAGO, IL 60661 | UPMC HEALTH OPTIONS | $3K | — | $3K | 1.81% |
| MAESTRO HEALTH3 | 500 W MADISON, STE 1250 CHICAGO, IL 60661 | UNITY HEALTH PLAN | $4K | — | $4K | 3.74% |
| RICHARD CHELTEN3 | 4768 PARKVIEW CLARKSTON, MI 48346 | STANDARD LIFE AND ACCIDENT | $12K | — | $12K | 13.55% |
| MAESTRO HEALTH3 | 500 W MADISON, STE 1250 CHICAGO, IL 60661 | 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 310502 DES MOINES, IA 50306 | GENWORTH LIFE INSURANCE COMPANY | $8K | — | $8K | 15.10% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | HEALTH NET | $979 | — | $979 | 2.24% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | HEALTH NET | $697 | — | $697 | 1.93% |
| MAESTRO HEALTH3 | 500 W MADISON, STE 1250 CHICAGO, IL 60661 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.00% |
| MAESTRO HEALTH3 | 500 W MADISON, STE 1250 CHICAGO, IL 60661 | KAISER PERMANENTE MID ATLANTIC | $2K | — | $2K | 6.43% |
| AON CONSULTING INC3 Filed as: AON INSURANCE AGENCY | 39030 TREASURY CENTER CHICAGO, IL 60694 | PREVEA360 HEALTH PLAN | $444 | — | $444 | 1.91% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | HEALTH NET | $167 | — | $167 | 1.18% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | UPMC HEALTH OPTIONS | $298 | — | $298 | 2.47% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | PO BOX 10414 DES MOINES, IA 50306 | RELIASTAR LIFE INSURANCE COMPANY | $51 | — | $51 | 2.72% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY | $22 | — | $22 | 1.17% |
| THE STERLING GROUP INC Filed as: STERLING GROUP INC | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | HARTFORD LIFE AND ACCIDENT | $127 | — | $127 | 8.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AON HEWITT EIN 22-2232264 NONE | Other services; Contract Administrator Service code 13 | — | $5.3M |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIM ADMINISTRATION | Contract Administrator; Non-monetary compensation; Other services; Direct payment from the plan; Claims processing; Named fiduciary; Participant communication; Float revenue Service code 12 | — | $4.2M |
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $3.8M |
| CONDUENT NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Recordkeeping fees Service code 15 | 100 CAMPUS DR STE 200 FLORHAM PARK, NJ 07932 | $3.5M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $2.4M |
| MAESTRO HEALTH EIN 38-2779844 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Recordkeeping fees Service code 13 | — | $529K |
| SMITH EDWARDS DUNLOP EIN 23-0539350 NONE | Participant communication; Copying and duplicating Service code 36 | — | $480K |
| MORGAN LEWIS & BOCKIUS EIN 23-0891050 NONE | Legal Service code 29 | — | $392K |
| JOSEPH J. HANEY 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 | $81K |
| CIGNA BEHAVIORAL HEALTH INC. EIN 41-1648670 NONE | Participant communication; Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $77K |
| TOWERS WATSON EIN 23-1195360 NONE | Consulting (general) Service code 16 | — | $25K |
| THE STERLING GROUP INC INSURANCE AGENT/BROKER | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees; Non-monetary compensation; Other fees Service code 22 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 483131318 | $6K |
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 | 30,666 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,375 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 32,041 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(41 contracts, 25 carriers) | INDEPENDENCE BLUE CROSS | 16,266 | $109.4M |
| Dental(5 contracts, 5 carriers) | DELTA DENTAL OF PENNSYLVANIA | 50,791 | $25.9M |
| Vision(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 26,364 | $11.8M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 877 | $1.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 877 | $903K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 877 | $903K |
| Prescription drug(16 contracts, 11 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,470 | $25.8M |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 877 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 50,791 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.