| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIC INTERNATIONAL CORPORATION3 | 11590 N. MERIDIAN, STE 600 CARMEL, IN 46032 | BCS INSURANCE COMPANY | $7K | — | $7K | 1.94% |
| TIC INTERNATIONAL CORPORATION3 | 11590 N. MERIDIAN, STE 600 CARMEL, IN 46032 | GUARDIAN LIFE INSURANCE COMPANY | $8K | — | $8K | 8.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIED OF MICHIGAN EIN 38-2069753 NONE | Contract Administrator; Consulting (general); Direct payment from the plan; Insurance services; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees Service code 12 | — | $738K |
| WILSON-MCSHANE CORPORATION EIN 41-0956552 NONE | Plan Administrator Service code 14 | — | $237K |
| SEGAL CONSULTING EIN 13-1835864 NONE | Consulting (general); Actuarial Service code 11 | — | $120K |
| TIC MIDWEST EIN 93-4217445 NONE | Copying and duplicating; Claims processing; Contract Administrator Service code 12 | — | $97K |
| MARQUETTE ASSOCIATES EIN 36-3485298 NONE | Investment advisory (plan) Service code 27 | — | $77K |
| WATKINS, PAWLICK, CALATI & PRIFITI EIN 83-2893229 NONE | Legal Service code 29 | — | $66K |
| CALIBRE CPA GROUP,PLLC EIN 47-0900880 NONE | Accounting (including auditing) Service code 10 | — | $38K |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 NONE | Claims processing; Contract Administrator Service code 12 | — | $34K |
| TRADE SOLUTIONS NONE | Copying and duplicating Service code 36 | PO BOX 1318 CLARKSTON, MI 48347 | $14K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Contract Administrator; Claims processing Service code 12 | — | $11K |
| ALLIED MEDIA NONE | Copying and duplicating Service code 36 | 240 N FENWAY DR FENTON, MI 48430 | $11K |
| HONSA-BINDER NONE | Copying and duplicating Service code 36 | 1065 PHALEN BLVD, SUITE 200 ST. PAUL, MN 55106 | $6K |
| SEGAL SELECT INSURANCE SERVICES,INC EIN 46-0619194 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $6K |
| MELLON INVESTMENTS CORPORATION NONE | Investment management Service code 28 | PO BOX 371509 PITTSBURGH, PA 152517509 | $5K |
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 | 7,801 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 582 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 8,383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 820 | $91K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 820 | $91K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 820 | $91K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 896 | $366K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 896 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.