| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MAC QUEEN & ASSOCIATES LLC3 | 2191 12 MILE ROAD BERKLY, MI 480721825 | MUTUAL OF OMAHA INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS, INC. EIN 38-2383171 NONE KNOWN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Accounting (including auditing); Other services; Claims processing Service code 10 | 700 TOWER DR. SUITE 300 TROY, MI 48098 | $327K |
| HINES & ASSOCIATES NONE KNOWN | Other insurance fees and expenses Service code 73 | 115 EAST HIGHLAND AVE ELGIN, IL 60120 | $165K |
| CVS CAREMARK EIN 86-0217882 NONE KNOWN | Direct payment from the plan Service code 50 | PO BOX 848001 DALLAS, TX 75284 | $77K |
| JEFFREY M. LESSER EIN 38-3033865 NONE KNOWN | Legal Service code 29 | 39040 WEST SEVEN MILE RD. LIVONIA, MI 48152 | $67K |
| COMERICA BANK EIN 42-1741646 NONE KNOWN | Investment management; Float revenue; Other services; Custodial (securities); Shareholder servicing fees; Other fees Service code 19 | 411 W. LAFAYETTE DETROIT, MI 48226 | $34K |
| STEFANSKY & HOLLOWAY EIN 38-2388845 NONE KNOWN | Accounting (including auditing) Service code 10 | 22260 HAGGERTY STE 350 NORTHVILLE, MI 48167 | $29K |
| ADN ADMINISTRATORS, INC. EIN 01-0644202 NONE KNOWN | Other insurance fees and expenses Service code 73 | 30700 TELEGRAPH, STE 2445 BINGHAM FARMS, MI 48025 | $27K |
| AMERICAN GRAPHICS PRINTING CO. EIN 38-2090931 NONE KNOWN | Copying and duplicating Service code 36 | 34895 GROESBECK CLINTON TOWNSHIP, MI 48035 | $24K |
| ERMAN, TEICHER, ZUCKER & FREEDMAN, NONE KNOWN | Legal Service code 29 | 400 GALLERIA OFFICENTRE, SOUTHFIELD, MI 48034 | $12K |
| SCHREIBER ADVISORS, P.C. EIN 46-1282767 NONE KNOWN | Accounting (including auditing) Service code 10 | 888 W BIG BEAVER, STE 888 TROY, MI 48084 | $12K |
| UNITED ACTUARIAL SERVICES EIN 35-2156420 NONE KNOWN | Actuarial Service code 11 | 11590 N. MERIDIAN STE 610 CARMEL, IN 46032 | $7K |
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 | 2,063 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 122 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,772 | $117K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,819 | $652K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 1,742 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,819 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.