| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE UNION LABOR LIFE INSURANCE COMP3 Filed as: UNION LABOR LIFE INSURANCE COMPANY | 8403 COLESVILLE ROAD SILVER SPRING, MD 20910 | UNION LABOR LIFE INSURANCE COMPANY | — | $210K | $210K | 100.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MICHAEL MAHER EIN 38-1428364 EMPLOYEE | Plan Administrator Service code 14 | 6931 MONROE ROAD DUCK LAKE, MI 49284 | $116K |
| COFINITY INC EIN 20-1274723 NONE | Insurance services Service code 23 | 28588 NORTHWESTERN HWY SOUTHFIELD, MI 48034 | $84K |
| DAVID DUFFY CPA PLLC EIN 38-2771817 NONE | Accounting (including auditing) Service code 10 | 26622 WOODWARD AVE, STE 250 ROYAL OAK, MI 48067 | $72K |
| MICHELLE M ZACNY EIN 38-1768597 EMPLOYEE | Employee (plan) Service code 30 | 14842 ASTER ALLEN PARK, MI 48101 | $67K |
| FINKEL WHITEFIELD FELDMAN EIN 38-2529039 NONE | Legal Service code 29 | 32300 NORTHWESTERN HWY, STE 200 FARMINGTON HILLS, MI 48334 | $65K |
| GREGORY KAZMIERSKI EIN 38-1428364 EMPLOYEE | Employee (plan) Service code 30 | 2078 15TH STREET WYANDOTTE, MI 48192 | $61K |
| BUCK CONSULTANTS EIN 13-3954297 NONE | Actuarial Service code 11 | ONE NORTH DEARBORN, STE 1400 CHICAGO, IL 60602 | $55K |
| JP MORGAN EIN 38-0864715 NONE | Investment management fees paid directly by plan Service code 51 | PO BOX 260180 BATON ROUGE, LA 70826 | $15K |
| GRAYSTONE CONSULTING (MSSB) EIN 13-2919773 NONE | Investment advisory (plan) Service code 27 | 40701 WOODWARD AVENUE, STE 200 BLOOMFIELD HILLS, MI 48304 | $13K |
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 | 766 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 406 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNION LABOR LIFE INSURANCE COMPANY | 782 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 782 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.