| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP LLC-NORTHWEST | 18940 NORTH PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $5K | — | $5K | 5.00% |
| HEALTH BENEFIT SOLUTIONS INSURANCE3 Filed as: HEALTH BENEFIT SOLUTIONS LLC | 18940 NORTH PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | TOKIO MARINE LLC | $5K | — | $5K | 5.95% |
| 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 | Copying and duplicating; Participant communication; Other services; Direct payment from the plan; Contract Administrator Service code 13 | — | $84K |
| ZELIS NONE | Other services; Participant communication; Direct payment from the plan; Consulting (pension) Service code 17 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07920 | $55K |
| HINES & ASSOCIATES EIN 36-3545085 NONE | Other services; Other fees; Direct payment from the plan Service code 49 | — | $44K |
| NOVARA TESIJA CATENACCI NONE | Legal; Direct payment from the plan Service code 29 | 888 WEST BIG BEAVER SUITE #600 TROY, MI 48084 | $43K |
| MORGAN STANLEY EIN 26-4310632 NONE | Other services; Securities brokerage; Custodial (securities); Direct payment from the plan; Investment advisory (plan) Service code 19 | — | $32K |
| AMERICAN GRAPHICS PRINTING NONE | Direct payment from the plan; Insurance services Service code 23 | 34895 GROESBECK HIGHWAY CLINTON TOWNSHIP, MI 48235 | $13K |
| WRUBEL WESLEY AND COMPANY C.P.A.'S EIN 38-2574238 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $9K |
| COMERICA BANK EIN 38-0477375 NONE | Other services; Participant communication; Direct payment from the plan Service code 38 | — | $6K |
| UNITED ACTUARIAL SERVICES NONE | Direct payment from the plan; Actuarial Service code 11 | 11590 NORTH MERIDAN STREET CARMEL, IN 460324529 | $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 | 341 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | ONE AMERICA | 359 | $22K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 325 | $189K |
| Other(2 contracts, 2 carriers) | HEALTH ALLIANCE PLAN OF MICHIGAN | 805 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 805 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.