| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENESYS INC5 | 700 TOWER DR STE 300 TROY, MI 48098 | HUMANA INSURANCE COMPANY | $127K | — | $127K | 15.29% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | THE UNION LABOR LIFE INSURANCE COMPANY | $27K | — | $27K | 6.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON PARTNERS NORTHEAST, INC. | 36 S CHARLES ST BALTIMORE, MD 21201 | THE UNION LABOR LIFE INSURANCE COMPANY | $3K | — | $3K | 0.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 NONE | Float revenue; Claims processing; Participant communication; Other services; Named fiduciary; Non-monetary compensation; Direct payment from the plan; Contract Administrator Service code 12 | — | $397K |
| BENESYS, INC. NONE | Contract Administrator; Direct payment from the plan Service code 13 | 700 TOWERS DRIVE SUITE 300 TROY, MI 48098 | $257K |
| BENECARD, INC. EIN 22-2998772 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $123K |
| CHARLES JOHNSTON EIN 23-2077724 NONE | Legal; Direct payment from the plan Service code 29 | — | $45K |
| DELTA DENTAL EIN 23-1667011 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $43K |
| BOLTON PARTNERS NORTHEAST, INC. NONE | Direct payment from the plan; Consulting (general) Service code 16 | 2277 HIGHWAY 33 TRENTON, NJ 08690 | $28K |
| KANG HAGGERTY & FEYROT, LLC NONE | Legal; Direct payment from the plan Service code 29 | 123 S. BROAD STREET, SUITE 1670 PHILADELPHIA, PA 19109 | $22K |
| PFM ASSET MANAGEMENT, LLC EIN 23-3087064 NONE | Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | — | $21K |
| CLEARY, JOSEM & TRIGIANI NONE | Legal; Direct payment from the plan Service code 29 | 325 CHESTNUT STREET PHILADELPHIA, PA 19106 | $21K |
| FISCHER DORWART EIN 23-2247478 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $20K |
| CBIZ EIN 23-1700844 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $19K |
| INETICO INC. EIN 20-0457663 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $10K |
| NATIONAL VISION ADMINISTRATORS EIN 74-3033381 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $6K |
| U.S. BANK EIN 31-0841368 NONE | Direct payment from the plan; Soft dollars commissions; Custodial (securities); Float revenue Service code 19 | — | $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 | 993 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 795 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,788 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 637 | $832K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,861 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.