| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENESYS INC5 | 700 TOWER DRIVE STE 300 TROY, MI 480982835 | HUMANA INSURANCE COMPANY | $26K | — | $26K | 5.12% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 12 MILE ROAD BERKLEY, MI 480721825 | HUMANA INSURANCE COMPANY | $13K | — | $13K | 2.56% |
| BENESYS INC5 | 700 TOWER DRIVE STE 300 TROY, MI 480982835 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 4.98% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 12 MILE ROAD BERKLEY, MI 480721825 | HUMANA INSURANCE COMPANY | $600 | — | $600 | 2.49% |
| BENESYS INC5 | 700 TOWER DRIVE STE 300 TROY, MI 480982835 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA | $600 | — | $600 | 4.13% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 12 MILE ROAD BERKLEY, MI 480721825 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA | $300 | — | $300 | 2.07% |
| BENESYS INC5 | 700 TOWER DRIVE STE 300 TROY, MI 480982835 | HUMANA BENEFIT PLAN OF ILLINOIS INC | $200 | — | $200 | 4.69% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 12 MILE ROAD BERKLEY, MI 480721825 | HUMANA BENEFIT PLAN OF ILLINOIS INC | $100 | — | $100 | 2.34% |
| BENESYS INC5 | 700 TOWER DRIVE STE 300 TROY, MI 480982835 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA | $200 | — | $200 | 4.69% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 12 MILE ROAD BERKLEY, MI 480721825 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA | $100 | — | $100 | 2.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ACTIVATE HEALTHCARE EIN 27-0908752 | Other services Service code 49 | — | $728K |
| BENESYS, INC EIN 38-2383171 | Claims processing; Plan Administrator; Copying and duplicating; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $214K |
| PLUMBERS & STEAMFITTERS LOCAL 166 EIN 35-1776725 | Participant communication Service code 38 | — | $60K |
| PARKVIEW HEALTH PLAN SERVICES EIN 35-1996535 | Claims processing Service code 12 | — | $54K |
| PREMIER HEALTH EXCHANGE EIN 86-1040704 | Claims processing Service code 12 | — | $47K |
| SULLIVAN, WARD, ASHER & PATTON EIN 38-2384883 | Legal Service code 29 | — | $47K |
| ONB INSURANCE GROUP, INC EIN 35-0902251 | Consulting (pension) Service code 17 | — | $45K |
| YOUNG AT HEART | Other fees Service code 99 | 3365 GRANGE HALL ROAD HOLLY, MI 48442 | $29K |
| QUEST DIAGNOSTICS EIN 38-1882758 | Other services Service code 49 | — | $19K |
| WHITINGER & COMPANY LLC EIN 35-0905017 | Accounting (including auditing) Service code 10 | — | $17K |
| FIFTH THIRD BANK | Other fees; Custodial (securities) Service code 19 | 5050 KINGLEY DRIVE CINCINNATI, OH 45263 | $15K |
| AMERICAN GRAPHICS EIN 38-2090931 | Copying and duplicating Service code 36 | — | $12K |
| CUNI, RUST & STRENK EIN 31-1227755 | Actuarial Service code 11 | — | $11K |
| BOGDAHN CONSULTING EIN 59-3676225 | Investment advisory (plan) Service code 27 | — | $9K |
| O&R MEDICAL SALES & SERVICE EIN 45-3948704 | Other fees Service code 99 | — | $8K |
| SEGALL, BRYANT & HAMILL EIN 41-7188385 | Investment advisory (plan) Service code 27 | — | $6K |
| STEFANSKY, HOLLOWAY & NICHOLS INC EIN 38-2388845 | Accounting (including auditing) Service code 10 | — | $6K |
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 | 570 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 234 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 804 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | 556 | $135K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 746 | $57K |
| Stop-loss / reinsurancereinsurance | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | 556 | $498K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 746 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.