| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MACQUEEN & ASSOCIATES LLC3 | 2191 12 MILE ROAD BERKLEY, MI 48072 | UNION LABOR LIFE INSURANCE | $16K | $5K | $21K | 21.35% |
| HEALTH BENEFIT SOLUTIONS INSURANCE3 Filed as: HEALTH BENEFIT SOLUTIONS LLC | — | HCC LIFE INSURANCE COMPANY | $0 | $5K | $5K | 5.32% |
| 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 | Direct payment from the plan; Participant communication; Copying and duplicating; Other services; Contract Administrator Service code 13 | — | $85K |
| NOVARA, TESIJA & CATENACCI NONE | Legal; Direct payment from the plan Service code 29 | 888 WEST BIG BEAVER ROAD SUITE 600 TROY, MI 48084 | $82K |
| HINES & ASSOCIATES EIN 36-3545085 NONE | Direct payment from the plan; Other fees; Other services Service code 49 | — | $40K |
| MORGAN STANLEY EIN 26-4310632 NONE | Investment advisory (plan); Direct payment from the plan; Other services; Securities brokerage; Custodial (securities) Service code 19 | — | $39K |
| ZELIS NONE | Participant communication; Direct payment from the plan; Other services; Consulting (pension) Service code 17 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07920 | $26K |
| WRUBEL WESLEY AND COMPANY C.P.A.'S EIN 38-2574238 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $12K |
| UNITED ACTUARIAL SERVICES NONE | Direct payment from the plan; Actuarial Service code 11 | 11590 NORTH MERIDAN STREET CARMEL, IN 460324529 | $10K |
| COMERICA BANK EIN 38-0477375 NONE | Direct payment from the plan; Participant communication; Other services 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 | 278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | ONE AMERICA | 302 | $22K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | UNION LABOR LIFE INSURANCE | 355 | $186K |
| Other(3 contracts, 3 carriers) | HAP PREFERRED INC. | 849 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 849 | — |
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.