| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MACQUEEN INSURANCE GROUP3 | 2191 12 MILE ROAD BERKLEY, MI 480721825 | ONE AMERICA | $3K | — | $3K | 14.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS, INC. EIN 38-6058023 NONE | Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Plan Administrator; Claims processing; Participant communication; Direct payment from the plan; Copying and duplicating Service code 10 | — | $112K |
| ZELISHTTPS//RGF.FISGLOBAL.COM/5500 NONE | Other services; Direct payment from the plan; Participant communication; Consulting (general) Service code 16 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07920 | $105K |
| MORGAN STANLEY EIN 26-4310632 NONE | Custodial (securities); Consulting (general); Securities brokerage; Other services; Investment advisory (plan); Direct payment from the plan Service code 16 | — | $78K |
| HINES & ASSOCIATES EIN 36-3545085 NONE | Other fees; Other services; Direct payment from the plan Service code 49 | — | $56K |
| NOVARA TESIJA & CATENACCI NONE | Legal; Direct payment from the plan Service code 29 | 888 WEST BIG BEAVER SUITE #600 TROY, MI 48084 | $42K |
| WRUBEL WESLEY AND COMPANY CPAS EIN 38-2574238 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $14K |
| DENTE MAX NONE | Insurance services; Direct payment from the plan Service code 23 | 45925 TELEGRAPH SUITE #400 SOUTHFIELD, MI 48033 | $5K |
| UNITED ACTUARIAL SERVICES NONE | Direct payment from the plan Service code 50 | 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 | 369 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 71 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 440 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | ONE AMERICA | 359 | $23K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 379 | $290K |
| Other(2 contracts) | HEALTH ALLIANCE PLAN OF MICHIGAN | 760 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 760 | — |
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.