| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MACQUEEN INSURANCE GROUP3 | 2191 12 MILE ROAD BERKLEY, MI 480721825 | AMERICAN UNITED LIFE INSURANCE COMOANY | $4K | — | $4K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZELIS NONE | Direct payment from the plan; Participant communication; Consulting (pension); Other services Service code 17 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07920 | $192K |
| BENESYS INC EIN 38-6058023 NONE | Contract Administrator; Participant communication; Direct payment from the plan; Other services; Copying and duplicating Service code 13 | — | $102K |
| HEALTH ALLIANCE PLAN OF MICHIGAN EIN 38-3291563 NONE | Insurance services; Other services; Direct payment from the plan Service code 23 | — | $79K |
| NOVARA TESIJA CATENACCI NONE | Legal; Direct payment from the plan Service code 29 | 888 WEST BIG BEAVER SUITE #600 TROY, MI 48084 | $66K |
| HINES & ASSOCIATES EIN 36-3545085 NONE | Other fees; Other services; Direct payment from the plan Service code 49 | — | $27K |
| UNITED ACTUARIAL SERVICES NONE | Direct payment from the plan; Actuarial Service code 11 | 11590 NORTH MERIDAN STREET CARMEL, IN 460324529 | $16K |
| WRUBEL WESLEY AND COMPANY CPAS EIN 38-2574238 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $14K |
| MORGAN STANLEY EIN 26-4310632 NONE | Custodial (securities); Consulting (general); Direct payment from the plan; Investment advisory (plan); Investment management Service code 16 | — | $9K |
| STEFANSKY HALLOWAY & NICHOLS NONE | Direct payment from the plan; Other services; Accounting (including auditing) Service code 10 | 22260 HAGGERTY ROAD STE. 350 NORTHVILLE, MI 481678983 | $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 | 318 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 66 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMOANY | 358 | $25K |
| Stop-loss / reinsurancereinsurance | HCC | 327 | $352K |
| Other | HEALTH ALLIANCE PLAN OF MICHIGAN | 3 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.