No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MILLIMAN INC. EIN 91-0675641 NONE KNOWN | Actuarial; Consulting fees; Consulting (general); Direct payment from the plan Service code 11 | — | $66K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 20-8764829 NONE KNOWN | Investment advisory (plan); Direct payment from the plan; Other investment fees and expenses Service code 27 | — | $66K |
| PLANTE & MORAN, PLLC EIN 38-1357951 NONE KNOWN | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $49K |
| BENESYS INC. EIN 38-2383171 NONE KNOWN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator; Contract Administrator; Direct payment from the plan; Recordkeeping fees; Other fees; Copying and duplicating Service code 13 | — | $47K |
| REINHART PARTNERS, INC. EIN 39-1711628 NONE KNOWN | Soft dollars commissions; Investment management; Investment management fees paid directly by plan; Direct payment from the plan Service code 28 | — | $39K |
| CIGNA HEALTH AND LIFE INS. CO. EIN 59-1031071 NONE KNOWN | Other services; Contract Administrator; Direct payment from the plan; Named fiduciary; Non-monetary compensation; Claims processing; Participant communication; Float revenue Service code 12 | — | $29K |
| HAMLIN CAPITAL MANAGEMENT, LLC EIN 52-2344187 NONE KNOWN | Soft dollars commissions; Investment management; Investment management fees paid directly by plan; Direct payment from the plan Service code 28 | — | $26K |
| LOOMIS SAYLES TRUST COMPANY EIN 20-8080381 NONE KNOWN | Investment management fees paid directly by plan; Direct payment from the plan; Investment management Service code 28 | — | $25K |
| SAGE ADVISORY SERVICES, LTD. CO. EIN 74-2798841 NONE KNOWN | Investment management fees paid directly by plan; Investment management; Direct payment from the plan Service code 28 | — | $22K |
| GROOM LAW GROUP, CHARTERED EIN 52-1219029 NONE KNOWN | Legal; Direct payment from the plan Service code 29 | — | $16K |
| MACOMB BUSINESS FORMS INC. DBA NONE KNOWN | Copying and duplicating; Direct payment from the plan Service code 36 | AMERICAN GRAPHICS PRINTING CO. 34895 GROESBECK HWY CLINTON TWP, MI 48035 | $12K |
| COMERICA BANK EIN 42-1741646 INSTITUTIONAL TRUSTEE | Float revenue; Direct payment from the plan; Shareholder servicing fees; Custodial (securities); Trustee (bank, trust company, or similar financial institution); Custodial (other than securities); Other services; Other investment fees and expenses Service code 18 | — | $10K |
| VISION SERVICE PLAN EIN 06-1227840 NONE KNOWN | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $9K |
| WATKINS, PAWLICK, CALATI, & PRIFTI EIN 83-2893229 NONE KNOWN | Legal; Direct payment from the plan Service code 29 | — | $6K |
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 | 493 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 493 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 668 | $2.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 690 | $220K |
| Vision | VISION SERVICE PLAN | 487 | $26K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 668 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 690 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.