| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MACQUEEN & ASSOCIATES LLC3 | 415 S WEST STREET ROYAL OAK, MI 48067 | THE UNION LABOR LIFE INSURANCE COMPANY | $63K | $32K | $95K | 7.50% |
| BENESYS INC5 Filed as: BENESYS, INC. | 700 TOWER DRIVE SUITE 300 TROY, MI 48098 | HUMANA INSURANCE COMPANY | $27K | — | $27K | 2.96% |
| MACQUEEN & ASSOCIATES LLC3 | 415 S WEST STREET SUITE 350 ROYAL OAK, MI 48067 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | $4K | $21K | 12.16% |
| STEALTH PARTNER GROUP LLC3 | 18700 N. HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 1.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS, INC. EIN 38-2383171 NONE | Contract Administrator; Direct payment from the plan; Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing); Copying and duplicating; Claims processing; Consulting (general) Service code 10 | 700 TOWER DR. SUITE 300 TROY, MI 48098 | $624K |
| HINES & ASSOCIATES EIN 36-3545085 NONE | Other insurance fees and expenses; Other services; Direct payment from the plan; Consulting (general) Service code 16 | 115 EAST HIGHLAND AVE ELGIN, IL 60120 | $247K |
| COMERICA BANK EIN 42-1741646 NONE | Direct payment from the plan; Participant communication; Trustee (bank, trust company, or similar financial institution); Investment management; Investment management fees paid directly by plan; Shareholder servicing fees; Custodial (securities); Securities brokerage; Investment advisory (plan) Service code 19 | 411 W. LAFAYETTE DETROIT, MI 48226 | $143K |
| LAW OFFICE OF JEFFREY M. LESSER EIN 38-3033865 NONE | Direct payment from the plan; Legal Service code 29 | 30300 NORTHWESTERN HWY FARMINGTON HILLS, MI 48334 | $123K |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $109K |
| ZELIS EIN 86-0217882 NONE | Direct payment from the plan; Claims processing; Consulting (general) Service code 12 | 744 OFFICE PARKWAY ST. LOUIS, MO 63141 | $99K |
| FH GROUP CORP. NONE | Direct payment from the plan; Claims processing Service code 12 | 2511 31ST ST 720-727-1734 BOULDER, CO 80301 | $82K |
| SEGAL SELECT INSURANCE SERVICES EIN 46-0619194 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance services Service code 22 | 333 WEST 34TH STREET NEW YORK, NY 10001 | $46K |
| BULTYNCK & CO., P.L.L.C. EIN 20-3920878 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 15985 CANAL ROAD CLINTON TOWNSHIP, MI 48038 | $44K |
| STEFANSKY, HOLLOWAY & NICHOLS EIN 38-2388845 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 22260 HAGGERTY STE 350 NORTHVILLE, MI 48167 | $44K |
| AMERICAN GRAPHICS PRINTING CO. EIN 38-2090931 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 34895 GROESBECK CLINTON TOWNSHIP, MI 48035 | $39K |
| MADDIN HAUSER ROTH & HELLER PC NONE | Direct payment from the plan; Legal Service code 29 | 28400 NORTHWESTERN HWY 248-354-4030 SOUTHFIELD, MI 48034 | $15K |
| EBIX, INC. EIN 77-0021975 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 1 EBIX WAY JOHNS CREEK, GA 30097 | $11K |
| UNITED ACTUARIAL SERVICES, INC. EIN 35-2156428 NONE | Direct payment from the plan; Actuarial; Consulting (general) Service code 11 | 11590 NORTH MERIDIAN ST CARMEL, IN 46032 | $9K |
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 | 2,999 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 165 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 45 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 223 | $898K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,994 | $172K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,737 | $1.3M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,994 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,994 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.