| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MACQUEEN INSURANCE GROUP3 Filed as: MACQUEEN INSURANCE LLC | 2191 12 MILE BERKLEY, MI 480721825 | HCC LIFE | $9K | — | $9K | 8.00% |
| MCQUEEN INSURANCE LLC3 | 2191 12 MILE BERKLEY, MI 480721825 | AIG | $8K | — | $8K | 8.00% |
| MACQUEEN & ASSOCIATES LLC3 Filed as: MACQUEEN AND ASSOCIATES LLC | 2191 12 MILE ROAD BERKLEY, MI 480721825 | ULLICO | $4K | — | $4K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS INC. EIN 38-6058023 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $70K |
| MORGAN STANLEY SMITH BARNEY EIN 26-4310632 NONE | Other services; Securities brokerage; Other investment fees and expenses; Custodial (securities); Direct payment from the plan; Investment advisory (plan); Securities brokerage commissions and fees Service code 19 | — | $28K |
| HINES & ASSOCIATES EIN 36-3545085 NONE | Direct payment from the plan; Other services; Other fees Service code 49 | — | $22K |
| MICHAEL J. MILLS NONE | Legal Service code 29 | 1843 ORCHARD LAKE ROAD SYLVAN LAKE, MI 483201742 | $15K |
| WRUBEL, WESLEY & COMPANY C.P.A.'S EIN 38-2574238 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $11K |
| PREMIER HEALTHCARE EXCHANGE INC. EIN 86-1040704 NONE | Consulting (general); Other services; Direct payment from the plan Service code 16 | — | $9K |
| UNITED ACTUARIAL SERVICES NONE | Actuarial; Direct payment from the plan Service code 11 | 11590 NORTH MERIDAN STREET CARMEL, IN 460324529 | $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 | 307 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 95 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | ULLICO | 293 | $25K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HCC LIFE | 3,587 | $209K |
| Other | ULLICO | 293 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,587 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.