| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWNELL, CHRISTIE LYNN | 1413 MOULIN AVE MADISON HEIGHTS, MI 48071 | ENVISION INSURANCE COMPANY | $16K | — | $16K | 2.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLS FARGO BANK N.A. EIN 94-1347393 NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $127K |
| RJ LEE & ASSOCIATES EIN 36-4090984 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $69K |
| EMPLOYEE 2 EIN 36-2525679 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $55K |
| EMPLOYEE 1 EIN 36-2525679 EMPLOYEE | Direct payment from the plan; Employee (plan sponsor) Service code 35 | — | $55K |
| TELLIGEN, INC EIN 42-0992483 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $50K |
| MCCARTHY CALLAS & FEENEY PC EIN 36-4184033 NONE | Legal; Direct payment from the plan Service code 29 | — | $24K |
| QUAD CITY BANK AND TRUST EIN 42-1410409 NONE | Custodial (securities); Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 19 | — | $21K |
| ROMOLO & ASSOCIATES, CPA'S, LLC EIN 84-2885766 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $20K |
| INNOVATIVE SOFTWARE SOLUTIONS, INC EIN 23-2182079 NONE | Other services; Direct payment from the plan Service code 49 | — | $19K |
| BICC SYSTEMS, INC EIN 36-2852073 NONE | Direct payment from the plan; Other services Service code 49 | — | $11K |
| MOORHEAD PATTERSON & COMPANY PC EIN 42-1092253 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $9K |
| UNITED ACTUARIAL SERVICES INC EIN 35-2156428 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $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 | 772 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 231 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,003 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 805 | $6.3M |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 805 | $31K |
| Prescription drug | ENVISION INSURANCE COMPANY | 261 | $653K |
| Stop-loss / reinsurancereinsurance | AMALGAMATED LIFE INSURANCE COMPANY | 805 | $328K |
| Other | ENVISION INSURANCE COMPANY | 261 | $653K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 805 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.