| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL C WALKER3 Filed as: MICHAEL G BUCK | — | BLUE CROSS BLUE SHIELD OF MI | $15K | $0 | $15K | 3.50% |
| BENEFITS PARTNERS LLC3 | — | BLUE CROSS BLUE SHIELD OF MI | — | $7K | $7K | 1.70% |
| MICHAEL C WALKER3 Filed as: MICHAEL G BUCK | — | BLUE CROSS BLUE SHIELD | $8K | $0 | $8K | 6.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE | Claims processing; Direct payment from the plan; Contract Administrator; Float revenue; Consulting (general); Insurance services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees Service code 12 | — | $487K |
| TIC INTERNATIONAL CORP EIN 13-2600875 NONE | Accounting (including auditing); Direct payment from the plan; Contract Administrator Service code 10 | — | $108K |
| JEFFREY M LESSER NONE | Legal; Direct payment from the plan Service code 29 | 30300 NORTHWESTERN HIGHWAY STE 320 FARMINGTON HILLS, MI 48334 | $75K |
| THE SALUS GROUP EIN 20-2024076 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers; Other commissions; Non-monetary compensation Service code 22 | — | $53K |
| DELTA DENTAL EIN 38-1791480 NONE | Insurance services; Other fees; Claims processing; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Float revenue; Contract Administrator Service code 12 | — | $27K |
| COMERICA BANK EIN 38-0477375 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $21K |
| MED REVIEW LLC NONE | Consulting fees; Direct payment from the plan Service code 50 | 2000 N DREXEL BLVD OKLAHOMA CITY, OK 73107 | $15K |
| ULLICO EMPLOYEE ASSISTANCE NONE | Direct payment from the plan; Other insurance fees and expenses Service code 50 | 8403 COLESVILLE ROAD SILVER SPRINGS, MD 20910 | $15K |
| WRUBEL WESLEY & CO CPAS EIN 38-2574238 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $10K |
| UAS NONE | Direct payment from the plan; Actuarial Service code 11 | 11590 NORTH MERIDAN SUITE #610 CARMEL, IN 460324529 | $8K |
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 | 525 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 78 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 603 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 81 | $115K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 548 | $26K |
| Prescription drug | BLUE CROSS BLUE SHIELD | 81 | $115K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MI | 550 | $440K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 548 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 550 | — |
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.