| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH CARE EXCHANGE, LTD. | 28588 NORTHWESTERN HWY, SUITE 450 SOUTHFIELD, MI 48034 | DENTEMAX | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS, INC. EIN 38-2383171 THIRD PARTY ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | 700 TOWER DRIVE TROY, MI 48098 | $295K |
| ANTHEM BLUE CROSS AND BLUE SHIELD CLAIMS PROCESSING | Claims processing Service code 12 | P.O. BOX 951254 CLEVELAND, OH 44193 | $208K |
| THE SEGAL COMPANY EIN 13-1975125 ACTUARIAL | Actuarial Service code 11 | 1300 E. 9TH ST, STE 1900 CLEVELAND, OH 44114 | $69K |
| ENVISION PHARMACEUTICAL EIN 05-0570786 CLAIMS PROCESSING | Claims processing Service code 12 | — | $29K |
| BEHAVIOR MANAGEMENT EIN 34-1577568 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $17K |
| WELLINGTON TRUST EIN 04-6657591 INVESTMENT ADVISOR | Investment advisory (plan) Service code 27 | 75 STATE STREET BOSTON, MA 02109 | $17K |
| SMW LOCAL 33 FRINGE BENEFIT FUND EIN 34-1398805 ADMINISTRATIVE FEES | Plan Administrator Service code 14 | 12515 CORPORATE DRIVE PARMA, OH 44130 | $15K |
| ALLOTTA, FARLEY CO., LPA EIN 34-1316963 LEGAL SERVICES | Legal Service code 29 | 2222 CENTENNIAL ROAD TOLEDO, OH 43617 | $15K |
| SUMMIT STRATEGIES INVESTMENT ADVISOR | Investment advisory (plan) Service code 27 | 8182 MARYLAND AVE, 6TH FL ST. LOUIS, MO 63105 | $12K |
| TRAMER, SHORE & ZWICK EIN 34-1736265 AUDITOR | Accounting (including auditing) Service code 10 | 23775 COMMERCE PARK BEACHWOOD, OH 44122 | $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 | 539 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 186 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 725 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 194 | $581K |
| Dental | DENTEMAX | 697 | $9K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 583 | $93K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 601 | $312K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 583 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 697 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.