| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENESYS INC5 | 700 TOWER DRIVE SUITE 300 TROY, MI 48098 | HUMANA INSURANCE COMPANY | $98K | — | $98K | 2.93% |
| TMR & ASSOCIATES3 | 601 ABBOTT STREET DETROIT, MI 48226 | HUMANA INSURANCE COMPANY | $51K | — | $51K | 1.52% |
| BENESYS INC5 | 700 TOWER DRIVE SUITE 300 TROY, MI 48098 | HUMANA INSURANCE COMPANY | $25K | — | $25K | 2.92% |
| TMR & ASSOCIATES3 | 601 ABBOTT STREET DETROIT, MI 48226 | HUMANA INSURANCE COMPANY | $13K | — | $13K | 1.49% |
| MACQUEEN & ASSOCIATES LLC3 Filed as: MACQUEEN AND ASSOCIATES, LLC | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | MUTUAL OF OMAHA | $27K | — | $27K | 10.00% |
| BENESYS INC5 | 700 TOWER DRIVE SUITE 300 TROY, MI 48098 | HUMANA INSURANCE COMPANY | $6K | — | $6K | 3.20% |
| TMR & ASSOCIATES3 | 601 ABBOTT STREET DETROIT, MI 48226 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 1.64% |
| BENESYS INC5 | 700 TOWER DRIVE SUITE 300 TROY, MI 48098 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA, INC | $3K | — | $3K | 2.47% |
| TMR & ASSOCIATES3 | 601 ABBOTT STREET DETROIT, MI 48226 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA, INC | $2K | — | $2K | 1.24% |
| BENESYS INC5 | 700 TOWER DRIVE SUITE 300 TROY, MI 48098 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 2.73% |
| TMR & ASSOCIATES3 | 601 ABBOTT STREET DETROIT, MI 48226 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 1.37% |
| ROBERT EFROS3 | 7300 N. BRIARCLIFF KNOLL WEST BLOOMFIELD, MI 48322 | THE UNION LABOR LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| BENESYS INC5 | 700 TOWER DRIVE SUITE 300 TROY, MI 48098 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA, INC | $975 | — | $975 | 3.22% |
| TMR & ASSOCIATES3 | 601 ABBOTT STREET DETROIT, MI 48226 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA, INC | $525 | — | $525 | 1.73% |
| BENESYS INC5 | 700 TOWER DRIVE SUITE 300 TROY, MI 48098 | HUMANA INSURANCE COMPANY | $600 | — | $600 | 4.06% |
| TMR & ASSOCIATES3 | 601 ABBOTT STREET DETROIT, MI 48226 | HUMANA INSURANCE COMPANY | $300 | — | $300 | 2.03% |
| BENESYS INC5 | 700 TOWER DRIVE SUITE 300 TROY, MI 48098 | HUMANA INSURANCE COMPANY | $300 | — | $300 | 2.81% |
| TMR & ASSOCIATES3 | 601 ABBOTT STREET DETROIT, MI 48226 | HUMANA INSURANCE COMPANY | $200 | — | $200 | 1.87% |
| BENESYS INC5 | 700 TOWER DRIVE SUITE 300 TROY, MI 48098 | HUMANA INSURANCE COMPANY | $200 | — | $200 | 2.81% |
| TMR & ASSOCIATES3 | 601 ABBOTT STREET DETROIT, MI 48226 | HUMANA INSURANCE COMPANY | $100 | — | $100 | 1.41% |
| BENESYS INC5 | 700 TOWER DRIVE SUITE 300 TROY, MI 48098 | HUMANA INSURANCE COMPANY | $300 | — | $300 | 8.43% |
| TMR & ASSOCIATES3 | 601 ABBOTT STREET DETROIT, MI 48226 | HUMANA INSURANCE COMPANY | $150 | — | $150 | 4.22% |
| BENESYS INC5 | 700 TOWER DRIVE SUITE 300 TROY, MI 48098 | HUMANA INSURANCE COMPANY | $100 | — | $100 | 2.81% |
| TMR & ASSOCIATES3 | 601 ABBOTT STREET DETROIT, MI 48226 | HUMANA INSURANCE COMPANY | $50 | — | $50 | 1.41% |
| MACQUEEN & ASSOCIATES LLC Filed as: MACQUEEN AND ASSOCIATES, LLC | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | THE UNION LABOR LIFE INSURANCE COMPANY | — | — | $0 | — |
| BENESYS INC5 | 700 TOWER DRIVE SUITE 300 TROY, MI 48098 | HUMANA INSURANCE COMPANY | — | — | $0 | — |
| TMR & ASSOCIATES3 | 601 ABBOTT STREET DETROIT, MI 48226 | HUMANA INSURANCE COMPANY | — | — | $0 | — |
| BENESYS INC5 | 700 TOWER DRIVE SUITE 300 TROY, MI 48098 | HUMANA INSURANCE COMPANY | — | — | $0 | — |
| TMR & ASSOCIATES3 | 601 ABBOTT STREET DETROIT, MI 48226 | HUMANA INSURANCE COMPANY | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL PLAN OF MICHIGAN EIN 38-1791480 NONE | Direct payment from the plan; Insurance services Service code 23 | PO BOX 30416 LANSING, MI 489097916 | $175K |
| MUTUAL OF OMAHA EIN 47-0322111 NONE | Direct payment from the plan; Insurance services Service code 23 | 3300 MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | $173K |
| THE UNION LABOR LIFE INSURANCE CO EIN 13-1423090 NONE | Insurance services; Direct payment from the plan Service code 23 | ONE STREET NORTHWEST WASHINGTON, DC 20001 | $151K |
| BENESYS INC EIN 38-3507129 PLAN ADMINISTRATOR | Plan Administrator; Claims processing; Contract Administrator; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 700 TOWER DRIVE SUITE 300 TROY, MI 48098 | $143K |
| METROPOLITAN LIFE INSURANCE CO EIN 13-5581829 NONE | Insurance services; Direct payment from the plan Service code 23 | 501 US HIGHWAY 22, 2ND FLOOR BRIDGEWATER, NJ 08807 | $114K |
| HEALTH ALLIANCE PLAN OF MICHIGAN EIN 38-2242827 NONE | Contract Administrator; Direct payment from the plan Service code 13 | 2850 W. GRAND BLVD DETROIT, MI 48202 | $43K |
| SULLIVAN WARD ASHER AND PATTON PC EIN 38-1956491 NONE | Legal; Direct payment from the plan Service code 29 | 25800 NORTHWESTERN HIGHWAY SOUTHFIELD, MI 48075 | $30K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Direct payment from the plan; Insurance services Service code 23 | 3333 QUALITY DRIVE RANCHO CORDOVA, CA 95670 | $29K |
| ZELIS EIN 46-3708039 NONE | Contract Administrator; Direct payment from the plan Service code 13 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | $17K |
| AON CONSULTING EIN 22-2232264 NONE | Actuarial; Direct payment from the plan Service code 11 | 3000 TOWN CENTER, SUITE 2900 SOUTHFIELD, MI 480751000 | $15K |
| WALTER, BOESKY & ASSOCIATES P.C. EIN 38-3629743 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 17320 W. 12 MILE ROAD STE 200 SOUTHFIELD, MI 480762105 | $12K |
| AMERICARE MEDICAL INC. EIN 38-2364792 NONE | Direct payment from the plan; Other services Service code 49 | 1938 WOODSLEE DRIVE TROY, MI 48083 | $12K |
| FIFTH THIRD BANK EIN 31-1051736 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | 1000 TOWN CENTER STE 1500 SOUTHFIELD, MI 48075 | $11K |
| AMERICAN GRAPHICS EIN 38-2090931 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | 34895 GROSEBECK HIGHWAY CLINTON TOWNSHIP, MI 48035 | $10K |
| WORK LIFE STRATEGIES EIN 80-0178558 NONE | Direct payment from the plan; Consulting (pension) Service code 17 | PO BOX 670444 DALLAS, TX 75367 | $8K |
| MACQUEEN INSURANCE GROUP EIN 20-0495393 NONE | Direct payment from the plan; Insurance services Service code 23 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | $8K |
| HEALTH DESIGN ENTERPRISES LLC EIN 38-3607439 NONE | Contract Administrator; Direct payment from the plan Service code 13 | 1550 E BELTLINE SE GRAND RAPIDS, MI 49506 | $8K |
| ALAN D BILLER & ASSOCIATES EIN 94-2854958 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | 535 MIDDLEFIELD ROAD STE 230 MENLO PARK, CA 94025 | $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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,166 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(14 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 947 | $4.7M |
| Dental | DELTA DENTAL OF MICHIGAN | 0 | $0 |
| Vision | VISION SERVICE PLAN | 121 | $26K |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA | 1,105 | $370K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 0 | $0 |
| Other(2 contracts, 2 carriers) | MUTUAL OF OMAHA | 1,105 | $370K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,105 | — |
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."
No prospect flags tripped on this filing.