| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| T M R & ASSOCIATES, INC.3 | 601 ABBOT STREET DETROIT, MI 48226 | HUMANA INSURANCE COMPANY | $120K | — | $120K | 2.73% |
| BENESYS INC5 Filed as: BENESYS, INC. | 700 TOWER DRIVE, STE 300 TROY, MI 48098 | HUMANA INSURANCE COMPANY | $46K | — | $46K | 1.05% |
| MACQUEEN & ASSOCIATES LLC3 Filed as: MACQUEEN AND ASSOCIATES, LLC | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | THE UNION LABOR LIFE INSURANCE COMPANY | $12K | — | $12K | 7.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS, INC. EIN 38-2383171 NONE | Copying and duplicating; Accounting (including auditing); Consulting (general); Claims processing; Direct payment from the plan; Contract Administrator; Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | 700 TOWER DRIVE STE 300 TROY, MI 48098 | $134K |
| ASHER KELLY EIN 84-3379113 NONE | Direct payment from the plan; Legal Service code 29 | 25800 NORTHWESTERN HWY SOUTHFIELD, MI 48075 | $53K |
| AMERICAN GRAPHICS PRINTING CO. EIN 38-2090931 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | 34985 GROESBECK HWY CLINTON TOWNSHIP, MI 48035 | $43K |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | 4100 OKEMOS ROAD OKEMOS, MI 48864 | $19K |
| NICKEL & SAPH INC. EIN 38-1799688 NONE | Direct payment from the plan; Insurance services; Insurance agents and brokers Service code 22 | 44 MACOMB PLACE MOUNT CLEMENS, MI 48043 | $17K |
| BULTYNCK & CO., PLLC EIN 20-3920878 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 15985 CANAL ROAD CLINTON TOWNSHIP, MI 48038 | $10K |
| STROME ACTUARIAL SERVICES LLC EIN 46-4229857 NONE | Direct payment from the plan; Actuarial Service code 11 | 31313 NORTHWESTERN HWY FARMINGTON HILLS, MI 48334 | $9K |
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 | 1,191 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 1,367 | $4.4M |
| Dental | DENCAP DENTAL PLANS, INC. | 335 | $12K |
| Vision(3 contracts, 2 carriers) | VISION SERVICE PLAN | 1,371 | $0 |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 541 | $5K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 0 | $161K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 541 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,371 | — |
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."
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.