| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| T M R & ASSOCIATES, INC.3 | 601 ABBOT STREET DETROIT, MI 48226 | HUMANA INSURANCE COMPANY | $78K | — | $78K | 3.17% |
| BENESYS INC5 Filed as: BENESYS, INC. | 700 TOWER DRIVE, STE 300 TROY, MI 48098 | HUMANA INSURANCE COMPANY | $78K | — | $78K | 3.17% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $43K | $14K | $56K | 17.15% |
| 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 |
|---|---|---|---|
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | 4100 OKEMOS ROAD OKEMOS, MI 48864 | $766K |
| BENESYS, INC. EIN 38-2383171 NONE | Claims processing; Accounting (including auditing); Contract Administrator; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Plan Administrator; Copying and duplicating Service code 10 | 700 TOWER DRIVE STE 300 TROY, MI 48098 | $153K |
| 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 | $48K |
| ASHER KELLY EIN 84-3379113 NONE | Direct payment from the plan; Legal Service code 29 | 25800 NORTHWESTERN HWY SOUTHFIELD, MI 48075 | $36K |
| NICKEL & SAPH INC. EIN 38-1799688 NONE | Insurance services; Direct payment from the plan; Insurance agents and brokers Service code 22 | 44 MACOMB PLACE MOUNT CLEMENS, MI 48043 | $16K |
| 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 | $11K |
| COMERICA BANK EIN 42-1741646 NONE | Investment advisory (plan); Shareholder servicing fees; Investment management fees paid directly by plan; Direct payment from the plan; Participant communication; Participant loan processing; Custodial (securities); Trustee (bank, trust company, or similar financial institution); Investment management; Securities brokerage Service code 19 | 411 WEST LAFAYETTE DETROIT, MI 48226 | $9K |
| STROME ACTUARIAL SERVICES LLC EIN 46-4229857 NONE | Actuarial; Direct payment from the plan Service code 11 | 31313 NORTHWESTERN HWY FARMINGTON HILLS, MI 48334 | $9K |
| ZELIS CLAIMS INTEGRITY, LLC EIN 58-2167964 NONE | Insurance services; Other fees; Direct payment from the plan Service code 23 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | $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 | 1,194 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 1,365 | $2.4M |
| Dental | DENCAP DENTAL PLANS, INC. | 267 | $13K |
| Vision(3 contracts, 2 carriers) | VISION SERVICE PLAN | 0 | $0 |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 915 | $327K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 0 | $163K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 915 | $327K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,365 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.