| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMBERLAND GROUP SERVICES, INC.3 Filed as: TIMBERLAND GROUP SERVICES INC | 1707 W BIG BEAVER RD TROY, MI 48084 | METROPOLITAN LIFE INSURANCE COMPANY | $82K | $14 | $82K | 9.98% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC., LLC | 1933 STATE ROUTE 35, STE 368 WALL, NJ 07719 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $1K | $24K | 2.90% |
| PROFESSIONAL BENEFIT SERVICES, INC. | 5300 PATTERSON AVE. SE, 150 1247254 GRAND RAPIDS, MI 49512 | HCC LIFE INSURANCE CO | $3K | — | $3K | 0.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PROFESSIONAL BENEFIT SERVICES INC EIN 38-3036973 CONTROLLED ENTITY | Other fees; Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | 5300 PATTERSON SE, 150 GRAND RAPIDS, MI 49512 | $5.7M |
| UNITED CLAIMS SOLUTIONS/VALENZ FEES NONE | Claims processing Service code 12 | P O BOX 123819 DALLAS, TX 75312 | $1.6M |
| COFINITY FEES HEALTH GROUP EIN 36-1174500 NONE | Claims processing Service code 12 | — | $455K |
| HEALTHJOY, LLC EIN 46-5722012 NONE | Other services; Participant communication Service code 38 | 215 W SUPERIOR ST, STE 50 CHICAGO, IL 60654 | $454K |
| EMERGENCY HEALTH INSURANCE MGMT EIN 38-2776173 NONE | Claims processing; Contract Administrator Service code 12 | — | $388K |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | P O BOX 9089 FARMINGTON HILLS, MI 48333 | $213K |
| AMERICAN HEALTH HOLDING INC NONE | Other services Service code 49 | 7400 WEST CAMPUS RD F-510 NEW ALBANY, OH 43054 | $165K |
| PNC BANK INSTITUTIONAL INVESTMENTS EIN 25-1211909 NONE | Direct payment from the plan; Soft dollars commissions; Other fees; Investment management; Float revenue; Custodial (securities) Service code 19 | 2 PNC PLAZA, 620 LIBERTY PITTSBURGH, PA 15222 | $157K |
| MICHELE DAVIS EIN 38-1393235 EMPLOYEE (WAGES PAID) | Direct payment from the plan; Employee (plan) Service code 30 | P O BOX 71337 MADISON HEIGHTS, MI 48071 | $120K |
| PART D ADVISORS NONE | Claims processing; Direct payment from the plan; Other services Service code 12 | 17199 N LAUREL PARK DR LIVONIA, MI 48152 | $116K |
| SWORD HEALTH TECHNOLOGIES NONE | Other services Service code 49 | 65 E. WADSWORTH PARK DR DRAPER, UT 84020 | $103K |
| ULLIANCE INC. EIN 38-3159338 NONE | Participant communication Service code 38 | 900 TOWER DRIVE TROY, MI 48083 | $93K |
| E CRAIG YOUNG EIN 38-1393235 EMPLOYEE (WAGES PAID) | Direct payment from the plan; Employee (plan) Service code 30 | P O BOX 71337 MADISON HEIGHTS, MI 48071 | $88K |
| JESSICA CYPRUS EIN 38-1393235 EMPLOYEE (WAGES PAID) | Employee (plan); Direct payment from the plan Service code 30 | P O BOX 71337 MADISON HEIGHTS, MI 48071 | $87K |
| CLARKSTON CAPITAL PARTNERS NONE | Investment management; Direct payment from the plan Service code 28 | 91 W LONG LAKE RD BLOOMFIELD HILLS, MI 48304 | $80K |
| BENEGRATION NONE | Direct payment from the plan; Other services Service code 49 | 301 GRANT STREET, STE 27 PITTSBURGH, PA 15219 | $80K |
| 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 | $75K |
| MORGAN STANLEY EIN 94-1671384 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | 34901 WOODWARD AVE, 300 BIRMINGHAM, MI 48009 | $72K |
| CHRISTINA POPSO EIN 38-1393235 EMPLOYEE (WAGES PAID) | Employee (plan); Direct payment from the plan Service code 30 | PO BOX 71337 MADISON HEIGHTS, MI 48071 | $67K |
| MMS ANALYTICS INC. (TALON) EIN 47-1212355 NONE | Participant communication Service code 38 | 99 BOW ST, STE 100E PORTMOUTH, NH 03801 | $67K |
| WATKINS, PAWLICK CALATI & PRIFTI PC NONE | Legal; Direct payment from the plan Service code 29 | 1423 E 12 MILE RD MADISON HEIGHTS, MI 48071 | $63K |
| SVS/SPECTERA VISION INC EIN 38-3353735 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | 140 MACOMB PLACE MT CLEMENS, MI 48043 | $53K |
| MCCLAIN SMITH & WENZ, PC EIN 38-3382520 AUDITOR OF PARENT ORGANIZ | Direct payment from the plan; Accounting (including auditing) Service code 10 | 6915 ROCHESTER RD, 100 TROY, MI 48085 | $45K |
| AMBER CRUNK EIN 38-1393235 EMPLOYEE (WAGES PAID) | Employee (plan); Direct payment from the plan Service code 30 | P O BOX 71337 MADISON HEIGHTS, MI 480710337 | $43K |
| TIMBERLAND NONE | Other services Service code 49 | 1707 BIG BEAVER RD TROY, MI 48083 | $35K |
| SEIZERT CAPITAL PARTNERS EIN 35-3553488 NONE | Direct payment from the plan; Investment management Service code 28 | 185 OAKLAND AVE., 100 BIRMINGHAM, MI 48009 | $30K |
| CHRISTINA MILLS-TURKALY EMPLOYEE (WAGES PAID) | Direct payment from the plan; Employee (plan) Service code 30 | P O BOX 71337 MADISON HEIGHTS, MI 48071 | $30K |
| VISION SERVICE PLAN NONE | Claims processing Service code 12 | P O 742788 LOS ANGELES, CA 90074 | $30K |
| PRATTER, INC. EIN 82-3190866 NONE | Participant communication Service code 38 | — | $22K |
| UNITED ACTUARIAL SERVICES INC EIN 35-1369500 NONE | Direct payment from the plan; Actuarial Service code 11 | 11590 N MERIDIAN, 610 CARMEL, IN 46032 | $15K |
| TRUHEARING INC NONE | Claims processing Service code 12 | 12936 S FRONTRUNNER BLVD DRAPER, UT 84020 | $10K |
| PAYPAL NONE | Direct payment from the plan; Other services Service code 49 | 2211 N. FIRST ST SAN JOSE, CA 95131 | $6K |
| AUXIOM NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 805 OAKWOOD DR ROCHESTER, MI 48307 | $6K |
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 | 3,815 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,929 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,746 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED AMERICAN | 2,490 | $3.9M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 5,378 | $818K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE CO | 4,046 | $317K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,378 | $924K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,378 | — |
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."
No prospect flags tripped on this filing.