| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MACQUEEN & ASSOCIATES LLC3 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $37K | $18K | $55K | 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 | — | $532K |
| BENESYS, INC. EIN 38-2383171 NONE | Contract Administrator; Other services; Direct payment from the plan; Insurance brokerage commissions and fees Service code 13 | — | $394K |
| ENVISION PHARMACEUTICAL SERVICES NONE | Contract Administrator Service code 13 | 2181 E AURORA ROAD SUITE 201 TWINSBURG, OH 44087 | $63K |
| HORIZON ACTUARIAL SERVICES EIN 26-1370698 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $62K |
| JOHNSON & KROL LLC EIN 36-4342024 NONE | Legal; Direct payment from the plan Service code 29 | — | $60K |
| HEALTH DESIGN ENTERPRISES EIN 38-3607439 NONE | Other services Service code 49 | — | $48K |
| DELTA DENTAL EIN 31-0685339 NONE | Contract Administrator Service code 13 | — | $44K |
| SMW LOCAL 33 BENEFIT FUNDS INC EIN 34-1398805 NONE | Other services Service code 49 | — | $43K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 20-8764829 NONE | Trustee (bank, trust company, or similar financial institution); Investment management fees paid directly by plan; Other investment fees and expenses; Investment management fees paid indirectly by plan; Investment management; Soft dollars commissions Service code 21 | — | $35K |
| BEHAVIOR MANAGEMENT ASSOCIATES EIN 34-1577268 NONE | Other services Service code 49 | — | $32K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $28K |
| AMERICAN GRAPHICS PRINTING CO EIN 38-2090931 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $24K |
| CUNI, RUST & STRENK EIN 31-1227755 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $10K |
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 | 1,339 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 306 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,645 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,118 | $74K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,329 | $734K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 1,118 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,329 | — |
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.