| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCQUEEN ASSOCIATES3 Filed as: MCQUEEN & ASSOCIATES LLC | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $43K | — | $43K | 6.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM EIN 31-1440175 | Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator Service code 12 | — | $509K |
| BENESYS EIN 38-2383171 | Contract Administrator Service code 13 | — | $410K |
| HORIZON ACTUARIAL SERVICES EIN 26-1370698 | Consulting (general) Service code 16 | — | $76K |
| FIFTH THIRD BANK EIN 31-0854433 | Custodial (securities) Service code 19 | — | $65K |
| JOHNSON & KROL LLC | Legal Service code 29 | — | $55K |
| SMW LOCAL 33 BENEFIT FUNDS, INC EIN 34-1398805 | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $43K |
| CUNI, RUST & STRENK | Actuarial Service code 11 | 4555 LAKE FOREST DRIVE 513-891-0270 CINCINNATI, OH 45242 | $20K |
| MACALA & PIATT, LLC EIN 34-1593900 | Legal Service code 29 | — | $15K |
| FINDLEY DAVIES | Actuarial Service code 11 | 1300 EAST NINTH STREET 216-875-1900 CLEVELAND, OH 44114 | $12K |
| TRAMER SHORE & ZWICK CPAS | Accounting (including auditing) Service code 10 | — | $11K |
| BOGDAHN GROUP EIN 59-3676225 | Investment advisory (plan) Service code 27 | — | $11K |
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 | 1,176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 301 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,477 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,410 | $620K |
| Other | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,410 | $620K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,410 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.