| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MACQUEEN & ASSOCIATES LLC3 | 2191 12 MILE ROAD BERKLEY, MI 48072 | UNION LABOR LIFE INSURANCE | $19K | — | $19K | 10.50% |
| MACQUEEN INSURANCE GROUP3 | 2191 12 MILE ROAD BERKLEY, MI 480721825 | ONE AMERICA | $3K | — | $3K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS INC. EIN 38-6058023 NONE | Contract Administrator; Direct payment from the plan; Copying and duplicating; Participant communication; Other services Service code 13 | — | $84K |
| ZELIS NONE | Consulting (pension); Direct payment from the plan; Participant communication; Other services Service code 17 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07920 | $55K |
| HINES & ASSOCIATES EIN 36-3545085 NONE | Other fees; Other services; Direct payment from the plan Service code 49 | — | $41K |
| MORGAN STANLEY EIN 26-4310632 NONE | Other services; Custodial (securities); Securities brokerage; Direct payment from the plan; Investment advisory (plan) Service code 19 | — | $40K |
| WRUBEL, WESLEY & CO CPAS EIN 38-2574238 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $12K |
| NOVARA, TESIJA CATENACCI NONE | Legal; Direct payment from the plan Service code 29 | 888 WEST BIG BEAVER SUITE #600 TROY, MI 48084 | $11K |
| UNITED ACTUARIAL SERVICES NONE | Actuarial; Direct payment from the plan Service code 11 | 11590 NORTH MERIDAN STREET CARMEL, IN 460324529 | $6K |
| COMERICA BANK EIN 38-0477375 NONE | Participant communication; Other services; Direct payment from the plan Service code 38 | — | $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 | 299 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 53 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | ONE AMERICA | 356 | $22K |
| Stop-loss / reinsurancereinsurance | UNION LABOR LIFE INSURANCE | 322 | $181K |
| Other(2 contracts, 2 carriers) | HEALTH ALLIANCE PLAN OF MICHIGAN | 769 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 769 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.