| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL BENEFITS SERVICES5 | 2959 LUCERNE, SE GRAND RAPIDS, MI 49546 | UNITED AMERICAN | — | $62K | $62K | 0.63% |
| TIMBERLAND GROUP SERVICES, INC.3 Filed as: TIMBERLAND GROUP SERVICES INC | 1707 W BIG BEAVER RD TROY, MI 48084 | UNITED AMERICAN | $28K | — | $28K | 0.28% |
| TIMBERLAND GROUP SERVICES, INC.3 Filed as: TIMBERLAND GROUP SERVICES INC | 1707 W BIG BEAVER RD TROY, MI 48084 | METROPOLITAN LIFE INSURANCE COMPANY | $75K | $60 | $75K | 9.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| VARNUM, LLP NONE | Legal; Direct payment from the plan Service code 29 | P O BOX 352 GRAND RAPIDS, MI 48501 | $1.8M |
| PROFESSIONAL BENEFIT SERVICES INC EIN 38-3036973 CONTROLLED ENTITY | Contract Administrator; Direct payment from the plan; Other fees; Claims processing Service code 12 | 5300 PATTERSON SE, 150 GRAND RAPIDS, MI 49512 | $838K |
| VISION SERVICE PLAN NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | P O 742788 LOS ANGELES, CA 90074 | $651K |
| FIRST HEALTH GROUP CORP EIN 20-1736437 NONE | Claims processing Service code 12 | 23291 NETWORK PLACE CHICAGO, IL 60673 | $209K |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | P O BOX 9089 FARMINGTON HILLS, MI 48333 | $203K |
| PNC BANK INSTITUTIONAL INVESTMENTS EIN 25-1211909 NONE | Soft dollars commissions; Custodial (securities); Float revenue; Direct payment from the plan; Other fees; Investment management Service code 19 | 2 PNC PLAZA, 620 LIBERTY PITTSBURGH, PA 15222 | $129K |
| HEALTHCARE BLUEBOOK EIN 46-4399706 NONE | Other services Service code 49 | 330 FRANKLIN RD, 135 BRENTWOOD, TN 37027 | $105K |
| COFINITY FEES GROUP HEALTH EIN 34-1174500 NONE | Claims processing Service code 12 | 4371 PAYSPHERE CIRCLE CHICAGO, IL 60674 | $91K |
| CHERYL SEISSER EIN 38-1393235 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | P O BOX 71337 MADISON HEIGHTS, MI 48071 | $85K |
| HEALTH DECISIONS INC. EIN 38-2686266 NONE | Other services; Direct payment from the plan Service code 49 | 409 PLYMOUTH RD PLYMOUTH, MI 48170 | $80K |
| E CRAIG YOUNG EIN 38-1393235 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | P O BOX 71337 MADISON HEIGHTS, MI 48071 | $61K |
| MICHELE DAVIS EIN 38-1393235 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | P O BOX 71337 MADISON HEIGHTS, MI 48071 | $54K |
| MORGAN STANLEY EIN 94-1671384 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | 34901 WOODWARD AVE, 300 BIRMINGHAM, MI 48009 | $53K |
| BENESYS INC EIN 38-2383171 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 700 TOWER DR, STE 300 TROY, MI 48098 | $48K |
| SVS/SPECTERA VISION INC EIN 38-3353735 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | 140 MACOMB PLACE MT CLEMENS, MI 48043 | $47K |
| CLARKSTON CAPITAL PARTNERS NONE | Investment management; Direct payment from the plan Service code 28 | 91 W LONG LAKE RD BLOOMFIELD HILLS, MI 48304 | $44K |
| BRANDYWINE GLOBAL INVESTMENT MGMT EIN 51-0294065 NONE | Investment management; Direct payment from the plan Service code 28 | P O BOX 7777 PHILADELPHIA, PA 19175 | $42K |
| MCCLAIN SMITH & WENZ, PC EIN 38-3382520 AUDITOR OF PARENT ORGANIZ | Accounting (including auditing); Direct payment from the plan Service code 10 | 6915 ROCHESTER RD, 100 TROY, MI 48085 | $41K |
| JESSICA CYPRUS EIN 38-1393235 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | P O BOX 71337 MADISON HEIGHTS, MI 48071 | $40K |
| SACHS WALDMAN PC EIN 38-1905521 NONE | Legal; Direct payment from the plan Service code 29 | 1423 E 12 MILE MADISON HEIGHTS, MI 48071 | $31K |
| THERAMATRIX PHYSICAL THERAPY NETWOR EIN 45-0523820 NONE | Other services Service code 49 | 900 AUBURN RD PONTIAC, MI 48342 | $31K |
| MEDWATCH LLC EIN 16-1662117 NONE | Other services Service code 49 | 120 INTERNATIONAL PWY 220 LAKE MARY, FL 32746 | $26K |
| O'KEEFE & ASSOCIATES, LLC NONE | Consulting (general); Valuation (appraisals, etc.); Direct payment from the plan Service code 16 | 2 LONE PINE BLOOMFIELD HILLS, MI 48304 | $25K |
| ERMAN TEICHER ZUCKER & FREEDMAN PC EIN 38-1468534 NONE | Legal; Direct payment from the plan Service code 29 | 400 GALLERIA OFFICENTRE SOUTHFIELD, MI 48034 | $22K |
| SEIZERT CAPITAL PARTNERS EIN 35-3553488 NONE | Investment management; Direct payment from the plan Service code 28 | 185 OAKLAND AVE., 100 BIRMINGHAM, MI 48009 | $17K |
| PROSERVE HEALTH INFORMATICS NONE | Other services Service code 49 | P O BOX 968 CUYAHOGA FALLS, OH 44223 | $16K |
| UNITED ACTUARIAL SERVICES INC EIN 35-1369500 NONE | Actuarial; Direct payment from the plan Service code 11 | 11590 N MERIDIAN, 610 CARMEL, IN 46032 | $13K |
| AMERICAN GRAPHICS PRINTING CO NONE | Copying and duplicating; Direct payment from the plan Service code 36 | 34895 GROESBECK CLINTON TWP, MI 48035 | $7K |
| PAYPAL NONE | Direct payment from the plan; Other services Service code 49 | 2211 N. FIRST ST SAN JOSE, CA 95131 | $5K |
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 | 3,512 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,776 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED AMERICAN | 2,313 | $9.8M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 5,020 | $755K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE CO | 3,944 | $57K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 5,020 | $755K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,020 | — |
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.
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.