| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL BENEFITS SERVICES5 | 5300 PATTERSON AVE., SE GRAND RAPIDS, MI 59512 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $70K | $70K | 0.67% |
| TIMBERLAND GROUP SERVICES, INC.3 Filed as: TIMBERLAND GROUP SERVICES INC | 1707 W BIG BEAVER RD TROY, MI 48084 | METROPOLITAN LIFE INSURANCE COMPANY | $79K | $254 | $79K | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PROFESSIONAL BENEFIT SERVICES INC EIN 38-3036973 CONTROLLED ENTITY | Claims processing Service code 12 | 5300 PATTERSON SE, 150 GRAND RAPIDS, MI 49512 | $883K |
| VISION SERVICE PLAN NONE | Direct payment from the plan Service code 50 | P O 742788 LOS ANGELES, CA 90074 | $675K |
| EMERGENCY HEALTH INSURANCE MGMT EIN 38-2776173 NONE | Claims processing Service code 12 | — | $350K |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 NONE | Claims processing Service code 12 | P O BOX 9089 FARMINGTON HILLS, MI 48333 | $208K |
| HEALTHCARE BLUEBOOK EIN 46-4399706 NONE | Other services Service code 49 | 330 FRANKLIN RD, 135 BRENTWOOD, TN 37027 | $181K |
| HEALTH DECISIONS INC. EIN 38-2686266 NONE | Other services Service code 49 | 409 PLYMOUTH RD PLYMOUTH, MI 48170 | $143K |
| PNC BANK INSTITUTIONAL INVESTMENTS EIN 25-1211909 NONE | Custodial (securities) Service code 19 | 2 PNC PLAZA, 620 LIBERTY PITTSBURGH, PA 15222 | $112K |
| CHERYL SEISSER EIN 38-1393235 EMPLOYEE (WAGES PAID) | Employee (plan) Service code 30 | P O BOX 71337 MADISON HEIGHTS, MI 48071 | $85K |
| E CRAIG YOUNG EIN 38-1393235 EMPLOYEE (WAGES PAID) | Employee (plan) Service code 30 | P O BOX 71337 MADISON HEIGHTS, MI 48071 | $65K |
| BRANDYWINE GLOBAL INVESTMENT MGMT EIN 51-0294065 NONE | Investment management Service code 28 | P O BOX 7777 PHILADELPHIA, PA 19175 | $61K |
| MORGAN STANLEY EIN 94-1671384 NONE | Investment advisory (plan) Service code 27 | 34901 WOODWARD AVE, 300 BIRMINGHAM, MI 48009 | $57K |
| BENESYS INC EIN 38-2383171 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 700 TOWER DR, STE 300 TROY, MI 48098 | $57K |
| SVS/SPECTERA VISION INC EIN 38-3353735 NONE | Claims processing Service code 12 | 140 MACOMB PLACE MT CLEMENS, MI 48043 | $51K |
| CLARKSTON CAPITAL PARTNERS NONE | Investment management Service code 28 | 91 W LONG LAKE RD BLOOMFIELD HILLS, MI 48304 | $47K |
| JESSICA CYPRUS EIN 38-1393235 EMPLOYEE (WAGES PAID) | Employee (plan) Service code 30 | P O BOX 71337 MADISON HEIGHTS, MI 48071 | $47K |
| MICHELE DAVIS EIN 38-1393235 EMPLOYEE (WAGES PAID) | Employee (plan) Service code 30 | P O BOX 71337 MADISON HEIGHTS, MI 48071 | $42K |
| MCCLAIN SMITH & WENZ, PC EIN 38-3382520 AUDITOR OF PARENT ORGANIZ | Accounting (including auditing) Service code 10 | 6915 ROCHESTER RD, 100 TROY, MI 48085 | $39K |
| SACHS WALDMAN PC EIN 38-1905521 NONE | Legal Service code 29 | 1423 E 12 MILE MADISON HEIGHTS, MI 48071 | $37K |
| PROSERVE HEALTH INFORMATICS NONE | Other services Service code 49 | P O BOX 968 CUYAHOGA FALLS, OH 44223 | $20K |
| SEIZERT CAPITAL PARTNERS EIN 35-3553488 NONE | Investment management Service code 28 | 185 OAKLAND AVE., 100 BIRMINGHAM, MI 48009 | $20K |
| UNITED ACTUARIAL SERVICES INC EIN 35-1369500 NONE | Actuarial Service code 11 | 11590 N MERIDIAN, 610 CARMEL, IN 46032 | $14K |
| AMERICAN GRAPHICS PRINTING CO NONE | Copying and duplicating Service code 36 | 34895 GROESBECK CLINTON TWP, MI 48035 | $9K |
| ERMAN TEICHER ZUCKER & FREEDMAN PC EIN 38-1468534 NONE | Legal Service code 29 | 400 GALLERIA OFFICENTRE SOUTHFIELD, MI 48034 | $8K |
| PAYPAL NONE | 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 | 3,748 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,767 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,518 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 2,350 | $10.5M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 5,145 | $793K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 3,590 | $187K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 5,145 | $793K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,145 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.