| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KIMBERLY ANN WIXSON3 | 3001 WEST BIG BEAVER, SUITE 320 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $46K | — | $46K | 1.08% |
| JANELLE M. RUTH3 Filed as: JANELLE M RUTH | 7276 SNOW APPLE DRIVE CLARKSTON, MI 48346 | HUMANA INSURANCE COMPANY | $30K | — | $30K | 3.29% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 12 MILE ROAD BERKLEY, MI 480721825 | THE UNION LABOR LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS, INC EIN 38-2383171 NONE | Participant communication; Copying and duplicating; Contract Administrator; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | — | $221K |
| ENVISION PHARMACETICAL SERVICES EIN 05-0570786 NONE | Claims processing; Contract Administrator; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $21K |
| MORGAN STANLEY SMITH BARNEY, LLC EIN 20-8764829 NONE | Other investment fees and expenses; Securities brokerage; Investment advisory (plan); Securities brokerage commissions and fees; Custodial (securities); Other fees; Direct payment from the plan; Other services Service code 19 | — | $16K |
| WATKINS, PAWLICK, CALATI & PRIFTI NONE | Legal; Direct payment from the plan Service code 29 | 1423 E 12 MILE ROAD MADISON HEIGHTS, MI 48071 | $15K |
| BENDA, GRACE, STULZ & COMPANY PC EIN 38-2284921 SEE ATTACHED | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $14K |
| AMERICAN GRAPHICS PRINTING NONE | Copying and duplicating; Participant communication; Direct payment from the plan Service code 36 | 34895 GROSBECK HIGHWAY CLINTON TOWNSHIP, MI 48035 | $9K |
| THE SEGAL COMPANY, INC EIN 13-1975125 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $9K |
| ULLIANCE, INC. NONE | Direct payment from the plan; Other services Service code 49 | 900 TOWER DRIVE SUITE 600 TROY, MI 48098 | $7K |
| BAHL & GAYNOR NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | 255 E 5TH ST, STE 2700 CINCINATI, OH 45202 | $0 |
| CLEARBRIDGE INVESTMENTS NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | 620 EIGHTH AVENUE NEW YORK, NY 10018 | $0 |
| CUMBERLAND FINANCIAL NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | 153 PATCHEN DRIVE LEXINGTON, KY 40517 | $0 |
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 | 517 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 229 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 746 | 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 | 1,098 | $5.2M |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 648 | $84K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 648 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,098 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.