| 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 | $114K | — | $114K | 1.58% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY (MIDWEST) INC | 101 N. WACKER DR. 500 CHICAGO, IL 606060606 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $15K | — | $15K | 0.20% |
| THE SEGAL COMPANY3 Filed as: SEGAL CO MIDWEST INC | 7701 FRANCE AVE S, STE 225 EDINA, MN 554355288 | HUMANA INSURANCE COMPANY | $32K | — | $32K | 3.25% |
| LABOR FIRST LLC3 | 1000 MIDLANTIC DRIVE, STE 1000 MOUNT LAUREL, NJ 080541511 | HUMANA INSURANCE COMPANY | $92 | — | $92 | 0.01% |
| SHAWHANKINS3 Filed as: SHAWHANKINS LLC | 351 WASHINGTON AVE, STE 120 MARIETTA, GA 300602095 | HUMANA INSURANCE COMPANY | $83 | — | $83 | 0.01% |
| T M R & ASSOCIATES, INC.3 Filed as: T M R & ASSOCIATES INC | 601BBOTT ST DETROIT, MI 482262513 | HUMANA INSURANCE COMPANY | $50 | — | $50 | 0.01% |
| 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; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 13 | — | $224K |
| MORGAN STANLEY SMITH BARNEY, LLC EIN 20-8764829 NONE | Other fees; Securities brokerage commissions and fees; Sales loads (front end and deferred); Other investment fees and expenses; Securities brokerage; Investment advisory (plan); Custodial (securities); Direct payment from the plan Service code 19 | — | $66K |
| AMERICAN GRAPHICS PRINTING NONE | Participant communication; Copying and duplicating; Direct payment from the plan Service code 36 | 34895 GROESBECK HWY CLINTON TOWNSHIP, MI 48035 | $35K |
| BENDA, GRACE, STULZ & COMPANY P.C. EIN 38-2284921 SEE ATTACHED | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $17K |
| WATKINS, PAWLICK, CALATI & PRIFTI EIN 83-2893229 SEE ATTACHED | Legal; Direct payment from the plan Service code 29 | — | $15K |
| THE SEGAL COMPANY EIN 13-1975125 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $13K |
| ULLIANCE, INC NONE | Direct payment from the plan; Other services Service code 49 | 900 TOWER DR, 600 TROY, MI 48098 | $12K |
| STEFANSKY, HOLLOWAY & NICHOLS INC NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 22260 HAGGERTY RD, 350 NORTHVILLE, MI 48167 | $5K |
| AM FUNDS NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | PO BOX 6007 INDIANAPOLIS, IN 462066007 | $0 |
| ARISTOTLE NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | 489 5TH AVENUE, FLOOR 10 NY, NY 10017 | $0 |
| BAHLOR & GAINOR NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | 255 E. 5TH, STE 2700 CINCINNATI, OH 45202 | $0 |
| CLEARBRIDGE INVESTMENTS NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | 620 8TH AVENUE NY, NY 10009 | $0 |
| FEDERATED HERMES NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | 1001 LIBERTY AVE PITTSBURGH, PA 15222 | $0 |
| JOHN HANCOCK NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | 200 BERKELEY STREET BOSTON, MA 02116 | $0 |
| KAYNE ANDERSON EIN 56-2474626 NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $0 |
| MARTIN CURRIE INVESTMENTS NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | 280 PARK AVENUE NEW YORK, NY 10017 | $0 |
| SAGE NONE | Investment management; Investment management fees paid indirectly by plan 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 | 494 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 232 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 726 | 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 | 1,112 | $8.2M |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 681 | $123K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 681 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,112 | — |
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.