| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGHLAND AND ASSOCIATES, INC.3 | 22360 GARRISON DEARBORN, MI 48124 | THE UNION LABOR LIFE INSURANCE COMPANY | $89K | — | $89K | 10.00% |
| MAVERICK INSURANCE3 | — | COMPANION LIFE INSURANCE | $22K | — | $22K | 10.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNION LABOR EIN 13-1423090 INSURANCE | Insurance services; Direct payment from the plan Service code 23 | — | $819K |
| TEAMSTERS LOCAL 135 EIN 35-0717060 CONTRACT ADMINISTRATOR | Direct payment from the plan; Contract Administrator Service code 13 | — | $754K |
| ALATEK, LLC EIN 62-1782185 OTHER | Other fees; Direct payment from the plan Service code 50 | — | $380K |
| AMERICAN BENEFITS EIN 55-0672859 INSURANCE | Insurance services; Direct payment from the plan Service code 23 | — | $262K |
| KATZ, SAPPER & MILLER EIN 35-1090346 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $78K |
| OGLETREE DEAKINS EIN 57-1044820 LEGAL SERVICES | Legal; Direct payment from the plan Service code 29 | — | $40K |
| FILLENWARTH DENNERLINE GROTH & TOWE EIN 35-1091323 LEGAL SERVICES | Legal; Direct payment from the plan Service code 29 | — | $29K |
| PNC BANK EIN 22-1146430 BANKING | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $22K |
| THOMPSON GROUP EIN 45-5436292 INSURANCE | Insurance services; Direct payment from the plan Service code 23 | — | $18K |
| UNITED ACTUARIAL SERVICES EIN 35-2156428 OTHER | Other services; Direct payment from the plan Service code 49 | — | $10K |
| LEDBETTER PARISI EIN 03-0599899 LEGAL SERVICES | Legal; Direct payment from the plan Service code 29 | — | $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 | 2,659 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,659 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COMPANION LIFE INSURANCE | 2,659 | $215K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,783 | $886K |
| Other | COMPANION LIFE INSURANCE | 2,659 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,783 | — |
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.