| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MACQUEEN & ASSOCIATES LLC3 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $52 | $9K | 8.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM EIN 31-1440175 NONE | Contract Administrator Service code 13 | — | $521K |
| AMERICAN BENEFIT CORPORATION EIN 55-0672859 NONE | Contract Administrator Service code 13 | — | $366K |
| JOHNSON & KROL LLC EIN 36-4342024 NONE | Legal Service code 29 | — | $88K |
| HORIZON ACTUARIAL SERVICES EIN 26-1370698 NONE | Actuarial Service code 11 | — | $84K |
| DELTA DENTAL EIN 31-0685339 NONE | Contract Administrator Service code 13 | — | $44K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 20-8764829 NONE | Investment management fees paid directly by plan; Investment management fees paid indirectly by plan; Trustee (bank, trust company, or similar financial institution); Other investment fees and expenses; Soft dollars commissions; Investment management Service code 21 | — | $44K |
| EMPIRX NONE | Contract Administrator Service code 13 | 155 CHESTNUT RIDGE RD MONTVALE, NJ 07645 | $36K |
| J. SCHAEFER & COMPANY LLC EIN 82-3706925 NONE | Accounting (including auditing) Service code 10 | — | $17K |
| AMERICAN GRAPHICS PRINTING CO EIN 38-2090931 NONE | Copying and duplicating Service code 36 | — | $15K |
| SMW LOCAL 33 BENEFIT FUNDS INC EIN 34-1398805 NONE | Other services Service code 49 | — | $13K |
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 | 1,229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 317 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,546 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,229 | $101K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,229 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,229 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.