| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL C WALKER3 Filed as: MICHAEL G. BUCK | — | BLUE CROSS BLUE SHIELD OF MICHIGAN | $26K | — | $26K | 3.80% |
| MICHAEL C WALKER3 Filed as: MICHAEL G. BUCK | — | BLUE CROSS BLUE SHIELD OF MICHIGAN | $9K | — | $9K | 5.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE | Other fees; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance services; Direct payment from the plan; Contract Administrator; Claims processing; Consulting (general) Service code 12 | — | $581K |
| TIC INTERNATIONAL CORP EIN 13-2600875 NONE | Direct payment from the plan; Contract Administrator; Accounting (including auditing) Service code 10 | — | $151K |
| WPC&P NONE | Legal; Direct payment from the plan Service code 29 | 1423 EAST 12 MILE ROAD MADISON HEIGHTS, MI 48071 | $78K |
| HEALTH PLAN ADVOCATE NONE | Consulting fees; Direct payment from the plan; Other insurance fees and expenses; Other services Service code 49 | 5380 CASCADE ROAD SE SUITE 200 GRAND RAPIDS, MI 49546 | $44K |
| THE SALUS GROUP EIN 20-2024076 NONE | Non-monetary compensation; Direct payment from the plan; Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | — | $38K |
| DELTA DENTAL EIN 38-1791480 NONE | Direct payment from the plan; Claims processing; Other fees; Insurance services; Contract Administrator; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue Service code 12 | — | $33K |
| PNC BANK EIN 23-7319169 NONE | Custodial (securities); Direct payment from the plan Service code 19 | — | $27K |
| ULLIANCE INC. NONE | Consulting fees; Other services; Other insurance fees and expenses; Direct payment from the plan Service code 49 | 900TOWER SUITE 600 TROY, MI 48098 | $26K |
| COMERICA BANK EIN 38-0477375 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $21K |
| WRUBEL WESLEY AND COMPANY C.P.A.' EIN 38-2574238 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $12K |
| DELMAR TRAVERSE CITY NONE | Direct payment from the plan; Other services Service code 49 | 615 E. FRONT STREET TRAVERSE CITY, MI 49686 | $9K |
| UAS NONE | Actuarial; Direct payment from the plan Service code 11 | 11590 NORTH MERIDAN SUITE #610 CARMEL, IN 460324529 | $8K |
| NEPC EIN 26-1429809 NONE | Consulting (general); Direct payment from the plan; Other services Service code 16 | — | $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 | 635 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 83 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 718 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 82 | $149K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 577 | $32K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 82 | $149K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 530 | $680K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 577 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 577 | — |
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.