| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUST FUND SOLUTIONS3 | 30325 PONDSVIEW DRIVE FRANKLIN, MI 480251595 | BLUE CARE NETWORK OF MICHIGAN | $36K | — | $36K | 1.99% |
| TRUST FUND SOLUTIONS3 | 30325 PONDSVIEW DRIVE FRANKLIN, MI 480251595 | HUMANA INSURANCE COMPANY | $15K | — | $15K | 3.02% |
| TRUST FUND SOLUTIONS3 | 30325 PONDSVIEW DRIVE FRANKLIN, MI 480251595 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA, INC. | $1K | — | $1K | 3.02% |
| TRUST FUND SOLUTIONS3 | 30325 PONDSVIEW DRIVE FRANKLIN, MI 480251595 | HUMANA BENEFIT PLAN OF ILLINOIS, INC. | $47 | — | $47 | 3.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SULLIVAN, WARD, ASHER, & PATTON, PC EIN 38-1880608 ATTORNEY TO SMACNA | Legal; Direct payment from the plan Service code 29 | — | $1.2M |
| BENESYS, INC. EIN 38-2383171 NONE KNOWN | Other fees; Participant communication; Direct payment from the plan; Claims processing; Copying and duplicating; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Other commissions; Plan Administrator Service code 12 | — | $489K |
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE KNOWN | Consulting (general); Float revenue; Claims processing; Direct payment from the plan; Insurance services; Other fees; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $302K |
| MORGAN STANLEY SMITH BARNEY, LLC EIN 26-4310632 NONE KNOWN | Other services; Investment management fees paid directly by plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Securities brokerage; Custodial (securities); Other commissions; Other investment fees and expenses; Recordkeeping fees; Other fees; Securities brokerage commissions and fees; Direct payment from the plan; Investment advisory (plan) Service code 15 | — | $117K |
| SACHS WALDMAN, P.C. EIN 38-1905521 NONE KNOWN | Legal; Direct payment from the plan Service code 29 | — | $81K |
| DELTA DENTAL OF MICHIGAN EIN 38-1794180 NONE KNOWN | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $71K |
| ENVISIONRX EIN 90-1011712 NONE KNOWN | Direct payment from the plan; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $40K |
| THE PNC FINANCIAL SERVICES GROUP NONE KNOWN | Custodial (other than securities); Direct payment from the plan Service code 18 | 755 WEST BIG BEAVER SUITE 24 TROY, MI 48084 | $38K |
| PLANTE & MORAN, PLLC EIN 38-1357951 NONE KNOWN | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $34K |
| HAP PREFERRED INC. EIN 38-2513504 NONE KNOWN | Contract Administrator; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | — | $32K |
| STEFANSKY, HOLLOWAY & NICHOLS EIN 38-2388845 NONE KNOWN | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $13K |
| GESSERT & ASSOCIATES, LLC EIN 20-0558180 NONE KNOWN | Other services; Direct payment from the plan Service code 49 | — | $13K |
| TRUVERIS, INC. EIN 27-4345686 NONE KNOWN | Direct payment from the plan; Consulting (general); Consulting fees Service code 16 | — | $12K |
| ZELIS CLAIMS INTEGRITY, INC. EIN 86-1040704 NONE KNOWN | Other fees; Direct payment from the plan Service code 50 | — | $11K |
| HINES & ASSOCIATES, INC. EIN 36-3545085 NONE KNOWN | Other services; Direct payment from the plan Service code 49 | — | $9K |
| THE SEGAL COMPANY (MIDWEST), INC. EIN 13-1975125 NONE KNOWN | Consulting (general); Direct payment from the plan; Actuarial Service code 11 | — | $7K |
| AMERICAN GRAPHICS PRINTING CO. EIN 38-2090931 NONE KNOWN | Participant communication; Copying and duplicating; Direct payment from the plan Service code 36 | — | $6K |
| VISION SERVICE PLAN EIN 06-1227840 NONE KNOWN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Contract Administrator Service code 13 | — | $5K |
| AMI ASSET MANAGEMENT NONE KNOWN | Investment management; Investment management fees paid indirectly by plan Service code 28 | 10866 WILSHIRE BOULEVARD SUITE 770 LOS ANGELES, CA 90024 | $0 |
| BOYD WATTERSON NONE KNOWN | Investment management; Investment management fees paid indirectly by plan Service code 28 | 1801 E. 9TH STREET SUITE 1400 CLEVELAND, OH 44114 | $0 |
| CLEARBRIDGE | Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $0 |
| CLEARBRIDGE INVESTMENTS NONE KNOWN | Investment management; Investment management fees paid indirectly by plan Service code 28 | 620 EIGHT AVENUE NEW YORK, NY 10018 | $0 |
| DELAWARE INVESTMENTS NONE KNOWN | Investment management; Investment management fees paid indirectly by plan Service code 28 | 2005 MARKET STREET ONE COMMERCE SQUARE PHILADELPHIA, PA 191037094 | $0 |
| EARNEST PARNTERS | Investment management fees paid indirectly by plan; Investment management Service code 28 | — | $0 |
| EARNEST PARTNERS NONE KNOWN | Investment management fees paid indirectly by plan; Investment management Service code 28 | 1180 PEACHTREE STREET SUITE 2300 ATLANTA, GA 30309 | $0 |
| INVESCO NONE KNOWN | Investment management; Investment management fees paid indirectly by plan Service code 28 | 1555 PEACHTREE STREET, N.E. SUITE 1800 ATLANTA, GA 30309 | $0 |
| MASSACHUSETTS FINANCIAL SERVICES CO EIN 04-2747644 NONE KNOWN | Investment management fees paid indirectly by plan; Investment management Service code 28 | — | $0 |
| WESTERN ASSET MANAGEMENT NONE KNOWN | Investment management fees paid indirectly by plan; Investment management Service code 28 | 385 EAST COLORADO BOULEVARD PASADENA, CA 91101 | $0 |
| WESTERN ASSET MANAGEMENT COMPANY | Investment management fees paid indirectly by plan; Investment management Service code 28 | — | $0 |
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 | 1,057 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 724 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,796 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CARE NETWORK OF MICHIGAN | 962 | $2.3M |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 476 | $1.8M |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 881 | $66K |
| Other | BLUE CARE NETWORK OF MICHIGAN | 476 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 962 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.