| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MACQUEEN & ASSOCIATES LLC3 Filed as: MACQUEEN AND ASSOCIATES LLC | 2191 12 MILE ROAD BERKLEY, MI 48072 | ULLICO | $19K | — | $19K | 10.50% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 12 MILE ROAD BERKLEY, MI 48072 | TOKIO MARINE HCC | $11K | — | $11K | 10.76% |
| MACQUEEN INSURANCE GROUP3 Filed as: MACQUEEN INSURANCE LLC | 2191 12 MILE BERKLEY, MI 480721825 | UNION LABOR LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| MACQUEEN & ASSOCIATES LLC3 Filed as: MACQUEEN AND ASSOCIATES LLC | 2191 12 MILE ROAD BERKLEY, MI 48072 | AMERICAN UNITED LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS INC. EIN 38-6058023 NONE | Direct payment from the plan; Copying and duplicating; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services Service code 13 | — | $81K |
| MORGAN STANLEY EIN 26-4310632 NONE | Securities brokerage; Other services; Securities brokerage commissions and fees; Custodial (securities); Investment advisory (plan); Direct payment from the plan; Other investment fees and expenses Service code 19 | — | $47K |
| HINES & ASSOCIATES EIN 36-3545085 NONE | Direct payment from the plan; Other services; Other fees Service code 49 | — | $47K |
| HEALTH ALLIANCE PLAN. NONE | Consulting (pension); Insurance services; Direct payment from the plan; Other services Service code 17 | 2850 W. GRAND BLVD DETROIT, MI 48202 | $27K |
| ZELIS NONE | Direct payment from the plan; Other services; Consulting (pension); Participant communication Service code 17 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07920 | $25K |
| HAP PREFERRED INC. EIN 38-2513504 NONE | Direct payment from the plan; Claims processing; Other services; Participant communication Service code 12 | — | $15K |
| WRUBEL WESLEY AND COMPANY C.P.A.'S EIN 38-2574238 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $12K |
| CVS HEALTH EIN 05-0340626 NONE | Other services; Direct payment from the plan; Participant communication; Claims processing Service code 12 | — | $9K |
| UNITED ACTUARIAL SERVICES NONE | Direct payment from the plan; Actuarial Service code 11 | 11590 NORTH MERIDAN STREET CARMEL, IN 460324529 | $6K |
| COMERICA BANK EIN 38-0477375 NONE | Direct payment from the plan; Other services; Participant communication Service code 38 | — | $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 | 361 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAP PREFERRD INC | 807 | $28K |
| Life insurance(2 contracts, 2 carriers) | UNION LABOR LIFE INSURANCE COMPANY | 360 | $34K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | ULLICO | 367 | $281K |
| Other(2 contracts, 2 carriers) | UNION LABOR LIFE INSURANCE COMPANY | 360 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 807 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.