| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KIMBERLY ANN WIXSON3 | 3001 WEST BIG BEAVER RD, STE 420 TROY, MI 480848084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $105K | — | $105K | 1.59% |
| THE SEGAL COMPANY3 Filed as: SEGAL CO MIDWEST INC | 7701 FRANCE AVE S, STE 225 EDINA, MN 554355288 | HUMANA INSURANCE COMPANY | $36K | — | $36K | 4.01% |
| MACQUEEN & ASSOCIATES LLC3 | 415 S WEST ST, SUITE 350 ROYAL OAK, MI 48067 | THE UNION LABOR LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS, INC. EIN 38-2383171 NONE | Contract Administrator; Copying and duplicating; Participant communication; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | — | $227K |
| MORGAN STANLEY SMITH BARNEY, LLC EIN 20-8764829 NONE | Investment advisory (plan); Direct payment from the plan; Custodial (securities); Securities brokerage commissions and fees; Sales loads (front end and deferred); Other investment fees and expenses; Other fees; Securities brokerage Service code 19 | — | $75K |
| WATKINS, PAWLICK, CALATI & PRIFTI EIN 83-2893229 SEE ATTACHED | Legal; Direct payment from the plan Service code 29 | — | $19K |
| AMERICAN GRAPHICS PRINTING NONE | Participant communication; Copying and duplicating; Direct payment from the plan Service code 36 | 34895 GROESBECK HWY CLINTON TWP, MI 48035 | $18K |
| 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 DR, 600 TROY, MI 48098 | $11K |
| THE SEGAL COMPANY EIN 13-1975125 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $8K |
| ARISTOTLE NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | 489 5TH AVENUE, 10TH FL NY, NY 10017 | $0 |
| BAHLOR & GAINOR NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | 255 E 5TH, STE 2700 CINCINNATI, OH 45202 | $0 |
| CLEARBRIDGE INVESTMENTS NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | 620 EIGHT AVENUE NY, NY 10009 | $0 |
| FEDERATED HERMES FUNDS NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | PO BOX 219318 KANSAS CITY, MO 641219318 | $0 |
| JOHN HANCOCK NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | 200 BERKELEY ST. BOSTON, MA 02108 | $0 |
| KAYNE ANDERSON NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $0 |
| LORD ABBOTT NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | PO BOX 219336 KANSAS CITY, MO 64121 | $0 |
| MARTIN CURRIE INVESTMENT NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | — | $0 |
| SAGE NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | 5902 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 | 538 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 226 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 764 | 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 | 1,139 | $7.5M |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 645 | $116K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 645 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,139 | — |
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.