| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MACQUEEN & ASSOCIATES LLC3 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $33K | $17K | $50K | 7.50% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | THE UNION LABOR LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM EIN 31-1440175 NONE | Contract Administrator Service code 13 | — | $522K |
| BENESYS, INC EIN 38-2383171 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Other services; Contract Administrator Service code 13 | — | $410K |
| JOHNSON & KROL LLC EIN 36-4342024 NONE | Legal; Direct payment from the plan Service code 29 | — | $69K |
| ENVISION PHARMACEUTICAL SERVICES NONE | Contract Administrator Service code 13 | 2181 E. AURORA RD, STE 201 TWINSBURG, OH 44087 | $64K |
| HORIZON ACTUARIAL SERVICES EIN 26-1370698 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $56K |
| HEALTH DESIGN ENTERPRISES EIN 38-3607439 NONE | Other services Service code 49 | — | $50K |
| AMERICAN GRAPHICS PRINTING CO EIN 38-2090931 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $48K |
| SMW LOCAL 33 BENEFIT FUNDS, INC EIN 34-1398805 NONE | Other services Service code 49 | — | $43K |
| MORGAN STANLEY GLOBAL BANKING EIN 20-8764829 NONE | Investment management fees paid indirectly by plan; Soft dollars commissions; Investment management fees paid directly by plan; Trustee (bank, trust company, or similar financial institution); Other investment fees and expenses; Investment management Service code 21 | — | $35K |
| DELTA DENTAL NONE | Contract Administrator Service code 13 | P.O. BOX 633198 CINCINNATI, OH 45263 | $33K |
| BEHAVIOR MANAGEMENT ASSOCIATES EIN 34-1577268 NONE | Other services Service code 49 | — | $29K |
| BENESYS, INC. | Direct payment from the plan; Contract Administrator; Other services; Insurance brokerage commissions and fees Service code 13 | — | $22K |
| MACQUEEN INSURANCE GROUP EIN 20-0495393 NONE | Insurance brokerage commissions and fees Service code 53 | — | $16K |
| TRAMER, SHORE & ZWICK EIN 34-1736265 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $11K |
| CUNI, RUST & STRENK EIN 31-1227755 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $10K |
| PHARMACY OUTCOMES SPECIALISTS EIN 36-4103243 NONE | Other services Service code 49 | — | $10K |
| KEYBANK NATIONAL ASSOCIATION NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | 127 PUBLIC SQUARE CLEVELAND, OH 44114 | $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 | 1,262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 326 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,588 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,083 | $71K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,316 | $667K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 1,083 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,316 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.