| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KIMBERLY ANN WIXSON3 | 3001 WEST BIG BEAVER RD TROY, MI 480848084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $91K | — | $91K | 1.54% |
| THE SEGAL COMPANY3 Filed as: SEGAL CO MIDWEST INC | 7701 FRANCE AVE S, STE 225 EDINA, MN 554355288 | HUMANA INSURANCE COMPANY | $31K | — | $31K | 3.59% |
| MACQUEEN & ASSOCIATES LLC3 | 415 S WEST ST, SUITE 350 ROYAL OAK, MI 48067 | THE UNION LABOR LIFE INSURANCE COMPANY | $10K | — | $10K | 9.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS, INC EIN 38-2383171 NONE | Copying and duplicating; Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication; Contract Administrator; Direct payment from the plan Service code 13 | — | $222K |
| MORGAN STANLEY SMITH BARNEY, LLC EIN 20-8764829 NONE | Other fees; Securities brokerage commissions and fees; Other investment fees and expenses; Securities brokerage; Other services; Investment advisory (plan); Custodial (securities); Direct payment from the plan Service code 19 | — | $63K |
| WATKINS, PAWLICK, CALATIE & PRIFTI EIN 83-2893229 SEE ATTACHED | Legal; Direct payment from the plan Service code 29 | — | $23K |
| BENDA, GRACE, STULZ & COMPANY P.C. EIN 38-2284921 SEE ATTACHED | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $16K |
| ULLIANCE, INC. NONE | Direct payment from the plan; Other services Service code 49 | 900 TOWER DRIVE SUITE 600 TROY, MI 48098 | $10K |
| THE SEGAL COMPANY EIN 13-1975125 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $9K |
| LEGG MASON & CO, LLC NONE | Investment management; Direct payment from the plan Service code 28 | 13985 COLLECTIONS CENTER CHICAGO, IL 606930139 | $6K |
| AMERICAN GRAPHICS PRINITNG NONE | Copying and duplicating; Direct payment from the plan; Participant communication Service code 36 | 34895 GROSEBECK HIGHWAY CLINTON TOWNSHIP, MI 48035 | $5K |
| ARISTOTLE NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | 489 FIFTH AVENUE 10TH FLR NEW YORK, NY 10017 | $0 |
| BAHLOR & GAINOR NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | 255 E 5TH, STE 2700 CINCINATI, OH 45202 | $0 |
| CLEARBRIDGE INVESTMENTS NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | 620 EIGHT AVENUE NEW YORK, NY 10009 | $0 |
| CUMBERLAND FINANCIAL NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | 153 PATCHEN DRIVE LEXINGTON, KY 40517 | $0 |
| KAYNE ANDERSON NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | 477 MADISON AVE 19TH FLR NEW YORK, NY 10022 | $0 |
| LORD ABBETT NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | P.O. BOX 219336 KANSAS CITY, MO 64121 | $0 |
| MARTIN CURRIE INVESTMENT NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | 280 PARK AVENUE NEW YORK, NY 10017 | $0 |
| SAGE NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | 5900 SOUTHWEST PKWY, 1 AUSTIN, TX 78735 | $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 | 479 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 233 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 712 | 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 | 1,042 | $6.8M |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 621 | $100K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 621 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,042 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.