| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT G. RUTH3 | 7276 SNOW APPLE DR CLARKSTON, MI 48346 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $52K | $5K | $57K | 1.33% |
| ROBERT G. RUTH3 | 7276 SNOW APPLE DR. CLARKSTON, MI 48346 | BLUE CROSS BLUE SHIELD OF MICHIGAN MEDICARE ADVANTAGE | $27K | — | $27K | 2.74% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 12 MILE ROAD BERKLEY, MI 480721825 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS, INC. EIN 38-2383171 NONE | Copying and duplicating; Direct payment from the plan; Participant communication; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | — | $217K |
| ENVISION PHARMACEUTICAL SERVICES EIN 05-0570786 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $21K |
| WELLS FARGO ADVISORS, LLC EIN 34-1542819 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $13K |
| BENDA, GRACE, STULZ & COMPANY PC EIN 38-2284921 SEE ATTACHED | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $13K |
| SACHS WALDMAN PROFESSIONAL CORP. EIN 38-1905521 SEE ATTACHED | Legal; Direct payment from the plan Service code 29 | — | $12K |
| THE SEGAL COMPANY, INC. EIN 13-1975125 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $9K |
| STEFANSKY, HOLLOWAY & NICHOLS, INC EIN 38-2388845 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $8K |
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 | 406 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 255 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 661 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,018 | $5.3M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 582 | $70K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN MEDICARE ADVANTAGE | 0 | $1.0M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 582 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,018 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.