| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENESYS INC5 Filed as: BENESYS, INC. | 700 TOWER DRIVE SUITE 300 TROY, MI 48098 | HUMANA INSURANCE COMPANY | $13K | — | $13K | 1.72% |
| MACQUEEN & ASSOCIATES LLC Filed as: MACQUEEN AND ASSOCIATES LLC | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | THE UNION LABOR LIFE INSURANCE COMPANY | $51K | — | $51K | 7.50% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 TWELVE MILE RD BERKLEY, MI 48072 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $4K | $13K | 13.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS, INC. EIN 38-2383171 NONE | Contract Administrator; Direct payment from the plan; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Accounting (including auditing) Service code 10 | 700 TOWER DR. SUITE 300 TROY, MI 48098 | $382K |
| HINES & ASSOCIATES NONE | Other insurance fees and expenses; Direct payment from the plan Service code 50 | 115 EAST HIGHLAND AVE ELGIN, IL 60120 | $167K |
| ZELIS EIN 86-0217882 NONE | Direct payment from the plan; Claims processing Service code 12 | 744 OFFICE PARKWAY ST. LOUIS, MO 63141 | $136K |
| LAW OFFICE OF JEFFREY M. LESSER EIN 38-3033865 NONE | Legal; Direct payment from the plan Service code 29 | 30300 NORTHWESTERN HWY FARMINGTON HILLS, MI 48334 | $71K |
| 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 | $37K |
| ADN ADMINISTRATORS, INC. EIN 01-0644202 NONE | Other insurance fees and expenses; Direct payment from the plan Service code 50 | 30700 TELEGRAPH, STE 2445 BINGHAM FARMS, MI 48025 | $31K |
| 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 | $22K |
| COMERICA BANK EIN 42-1741646 NONE | Other fees; Custodial (securities); Other services; Float revenue; Direct payment from the plan; Shareholder servicing fees; Investment management Service code 19 | 411 W. LAFAYETTE DETROIT, MI 48226 | $19K |
| UNION SERVICES AGENCY EIN 38-3297465 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance services Service code 22 | 119 PERE MARQUETTE DRIVE LANSING, MI 48912 | $18K |
| SCHREIBER ADVISORS, P.C. EIN 46-1282767 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 888 W BIG BEAVER, STE 888 TROY, MI 48084 | $17K |
| UNITED ACTUARIAL SERVICES, INC. EIN 35-2156420 NONE | Actuarial; Direct payment from the plan Service code 11 | 11590 N. MERIDIAN STE 610 CARMEL, IN 46032 | $14K |
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 | 2,229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 66 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 205 | $780K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,961 | $96K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,040 | $676K |
| Other(2 contracts, 2 carriers) | HAP PREFERRED INC. | 3,199 | $499K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,199 | — |
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.