| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN W PATTEN3 Filed as: BRIAN PATTEN AND ASSOCIATES, LLC | 120 MARGUERITE DRIVE STE 101 CRANBERRY TWP, PA 16066 | HARTFORD LIFE AND ACCIDENT | $68K | $392 | $68K | 2.77% |
| HUMANOMICS3 Filed as: HUMANOMICS INS SERVICES INC | 15050 DEVONSHIRE ST #203 GRANADA HILLS, CA 91344 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $54K | $54K | 4.33% |
| ELLIOT N DINKIN3 Filed as: ELLIOT N. DINKIN | 444 LIBERTY AVE STE 605 PITTSBURGH, PA 15222 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $28K | — | $28K | 2.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: SHIRLEY BROWN | 15600 DEVONSHIRE ST #203 03 GRANADA HILLS, CA 91344 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $19K | — | $19K | 1.52% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 738 N 1ST ST STE 202 SAN JOSE, CA 951126371 | KAISER FOUNDATION HEALTH PLAN INC | $54K | — | $54K | 5.20% |
| CRAIG HASENBANK3 | 18403 COLLINS ST UNIT C TARZANA, CA 913566504 | METLIFE INSURANCE COMPANY | $14K | — | $14K | 11.56% |
| HUMANOMICS3 Filed as: HUMANOMICS INSURANCE SERVICES | 15600 DEVONSHIRE ST SUITE 203 GRANDA HILLS, CA 913447242 | METLIFE INSURANCE COMPANY | $7K | — | $7K | 6.16% |
| BRIAN W PATTEN3 Filed as: BRIAN WILLIAM PATTEN | 121 BUCKTHORN ROAD BADEN, PA 15005 | METLIFE INSURANCE COMPANY | $5K | — | $5K | 4.18% |
| ALEXANDRA HASENBANK3 | 18403 COLLINS ST UNIT C TARZANA, CA 913566504 | METLIFE INSURANCE COMPANY | $3K | — | $3K | 2.70% |
| WILLIE RILEY3 | PO BOX 6836 SAN JOSE, CA 951506836 | METLIFE INSURANCE COMPANY | $321 | — | $321 | 0.27% |
| JUDY PIPKIN3 | PO BOX 6836 SAN JOSE, CA 951506836 | METLIFE INSURANCE COMPANY | $137 | — | $137 | 0.12% |
| RENTON PEXA3 | 21529 PARVIN DR SANTA CLARITA, CA 913503010 | METLIFE INSURANCE COMPANY | $127 | — | $127 | 0.11% |
| PATRICIA ORTEGA3 | 6890 WHEELER CT FONTANA, CA 92336 | METLIFE INSURANCE COMPANY | $31 | — | $31 | 0.03% |
| RICHARD LAMONA3 | 23117 CALVERT ST WOODLAND HILLS, CA 91356 | METLIFE INSURANCE COMPANY | $16 | — | $16 | 0.01% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 738 N 1ST ST STE 202 SAN JOSE, CA 951126371 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 6.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE | Consulting (general); Other fees; Float revenue; Insurance services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Direct payment from the plan Service code 12 | — | $2.3M |
| BRIAN PATTEN & ASSOCIATES LLC NONE | Consulting (general); Direct payment from the plan; Insurance agents and brokers Service code 16 | 120 MARGUERITE DRIVE SUITE 100 CRANBERRY TOWNSHIP, PA 16066 | $1.4M |
| BENESYS EIN 38-2383171 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $1.3M |
| COWDEN ASSOCIATES, INC. EIN 25-1750131 NONE | Direct payment from the plan; Insurance agents and brokers; Consulting (general) Service code 16 | — | $256K |
| CENKO VENDITTELLI HAYNES AND TOKARZ EIN 81-0584482 NONE | Direct payment from the plan; Accounting (including auditing); Consulting (general) Service code 10 | — | $106K |
| GREGORY, MOORE, BROOKS, & CLARK PC EIN 38-3093929 NONE | Legal; Direct payment from the plan Service code 29 | — | $81K |
| AMERICAN GRAPHICS PRINTING CO. NONE | Direct payment from the plan; Other services Service code 49 | 34895 GROESBECK HWY. CLINTON TWP, MI 48035 | $40K |
| BECKERMAN & COMPANY NONE | Insurance services; Direct payment from the plan Service code 23 | 430 LAKE AVE. COLONIA, NJ 07067 | $28K |
| COMERICA BANK NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | PO BOX 75000 DETROIT, MI 482754537 | $14K |
| WESTERN INTERNATIONAL SECURITIES NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | 4510 E THOUSAND OAKS BLVD WEST LAKE VILLAGE, CA 91362 | $10K |
| WAGNER LAW GROUP NONE | Legal; Direct payment from the plan Service code 29 | 1015 18TH ST NW SUITE 801 WASHINGTON, DC 20036 | $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 | 6,726 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 366 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 3,918 | $1.2M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,187 | $2.5M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 3,187 | $2.5M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,187 | $2.5M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 3,918 | $1.2M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 3,918 | $1.2M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,187 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,918 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.