No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MORGAN STANLEY SMITH BARNEY EIN 26-4310632 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | 34901 WOODWARD AVE., STE. 300 BIRMINGHAM, MI 48009 | $63K |
| REINHART PARTNERS, INC. EIN 39-1711628 NONE | Investment management fees paid directly by plan; Investment management; Direct payment from the plan Service code 28 | 1500 W. MARKET ST. MEQUON, WI 53092 | $60K |
| HAMLIN CAPITAL MANAGEMENT, LLC EIN 52-2344187 NONE | Direct payment from the plan; Investment management fees paid directly by plan; Investment management Service code 28 | 640 FIFTH AVE., 6TH FLOOR NEW YORK, NY 10019 | $60K |
| BENESYS INC. EIN 38-2383171 NONE | Contract Administrator; Direct payment from the plan; Recordkeeping fees Service code 13 | 700 TOWER DR. SUITE 300 TROY, MI 48098 | $40K |
| LOOMIS, SAYLES & COMPANY, LP EIN 04-3200030 NONE | Direct payment from the plan; Investment management; Investment management fees paid directly by plan Service code 28 | ONE FINANCIAL CENTER BOSTON, MA 02111 | $33K |
| SAGE ADVISORY SERVICES, LTD. CO. EIN 74-2798841 NONE | Investment management; Direct payment from the plan; Investment management fees paid directly by plan Service code 28 | 5900 SOUTHWEST PKWY, BLDG 1 STE 100 AUSTIN, TX 78735 | $29K |
| MILLIMAN INC. EIN 91-0675641 NONE | Consulting fees; Actuarial; Direct payment from the plan; Consulting (general) Service code 11 | 150 CLOVE ROAD, 10TH FLOOR LITTLE FALLS, NJ 07424 | $28K |
| WALSH & COMPANY, PC EIN 38-2030285 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 860 W. LONG LAKE ROAD, STE. 300 BLOOMFIELD HILLS, MI 48302 | $26K |
| CONNECTICUT GENERAL LIFE INS. EIN 06-0303370 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | 1000 CORPORATE DRIVE FRANKLIN, TN 37067 | $25K |
| COMERICA BANK EIN 42-1741646 NONE | Custodial (securities); Other investment fees and expenses; Other services; Other fees; Shareholder servicing fees; Float revenue Service code 19 | 411 W. LAFAYETTE AVE. DETROIT, MI 48226 | $14K |
| DEUTSCHE BANC SECURITIES NONE | Securities brokerage; Securities brokerage commissions and fees Service code 33 | 60 WALL STREET NEW YORK, NY 10005 | $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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 455 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 106 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 561 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 589 | $1.8M |
| Vision | VISION SERVICE PLAN | 448 | $31K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 589 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 589 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.