| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY4 Filed as: THE SEGAL COMPANY (EASTERN STATES) | 333 WEST 34TH STREET NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | $8K | — | $8K | 1.27% |
| BENESYS INC3 Filed as: BENESYS INC. | 700 TOWER DR., SUITE 300 TROY, MI 480982835 | EMPHESYS INSURANCE COMPANY | $24K | — | $24K | 4.64% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 9400 PRIORITY WAY WEST DR. INDIANAPOLIS, IN 462401470 | EMPHESYS INSURANCE COMPANY | $150 | — | $150 | 0.03% |
| LABOR FIRST LLC3 | SUITE 100 1000 MIDLANTIC DRIVE MOUNT LAUREL, NJ 080541511 | EMPHESYS INSURANCE COMPANY | $33 | — | $33 | 0.01% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS INC. | 1406 N MITCHELL ST CADILLAC, MI 496011129 | EMPHESYS INSURANCE COMPANY | $17 | — | $17 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Other services Service code 12 | — | $374K |
| BENESYS EIN 38-2383171 NONE | Contract Administrator Service code 13 | — | $365K |
| SEGAL SELECT INSURANCE SERVICES INC EIN 46-0619194 NONE | Insurance services Service code 23 | — | $66K |
| ALLOTTA, FARLEY CO., LPA EIN 34-1316963 NONE | Legal Service code 29 | — | $38K |
| CLARK, SCHAEFER, HACKETT & CO. EIN 31-0800053 NONE | Accounting (including auditing) Service code 10 | — | $27K |
| IMPACT SOLUTIONS NONE | Other services Service code 49 | 23240 CHAGRIN BLVD. CLEVELAND, OH 44122 | $23K |
| WELLINGTON TRUST EIN 04-6657591 NONE | Investment advisory (plan) Service code 27 | — | $21K |
| AMERICAN GRAPHICS PRINTING CO. NONE | Other services Service code 49 | 34895 GROESBECK HWY CLINTON TWP, MI 48035 | $16K |
| SMW LOCAL 33 FRINGE BENEFIT FUND EIN 34-1398805 NONE | Plan Administrator Service code 14 | — | $16K |
| MERCER HUMAN RESOURCES CONSULTING EIN 36-2668272 NONE | Investment advisory (plan) Service code 27 | — | $11K |
| DENTEMAX LLC NONE | Claims processing Service code 12 | 25925 TELEGRAPH RD. #400 SOUTHFIELD, MI 48033 | $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 | 663 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 200 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 863 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPHESYS INSURANCE COMPANY | 216 | $524K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 927 | $165K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 755 | $642K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 927 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 927 | — |
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.