| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS PARTNER LLC3 | — | HUMANA | $22K | — | $22K | 3.77% |
| MICHAEL BUCK3 | 38223 MOUND ROAD BUILDING F STERLING HEIGHTS, MI 483103466 | BLUE CROSS BLUE SHIELD | $10 | — | $10 | 3.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 MEDICAL CLAIMS PROCESSOR | Direct payment from the plan; Other fees; Insurance services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Contract Administrator; Claims processing Service code 12 | — | $296K |
| BENESYS INC EIN 38-2383171 PLAN TPA | Other fees; Participant communication; Direct payment from the plan; Accounting (including auditing); Copying and duplicating; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services Service code 10 | — | $83K |
| THE SALUS GROUP MEDICAL BENEFIT CONSULTAN | Insurance services; Insurance agents and brokers; Direct payment from the plan Service code 22 | 38221 MOUND ROAD STERLING HEIGHTS, MI 48310 | $44K |
| PNC BANK PLAN BANK | Other fees; Direct payment from the plan; Other services Service code 49 | ONE FINANCIAL PARKWAY KALAMAZOO, MI 49009 | $37K |
| HEALTH CARE ADVOCATE CLAIMS REVIEW | Other services; Direct payment from the plan Service code 49 | 5380 CASCADE ROAD SE#200 GRAND RAPIDS, MI 49546 | $22K |
| LEDBETTER PARISI LLC EIN 03-0599899 LEGAL | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $22K |
| DELTA DENTAL EIN 38-1791480 NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $18K |
| WRUBEL WESLEY & COMPANY CPAS EIN 38-2574238 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $11K |
| ULLIANCE NONE | Direct payment from the plan; Other services Service code 49 | 900 TOWER DRIVE TROY, MI 48098 | $10K |
| FR SECURE LLC NONE | Other services; Direct payment from the plan Service code 49 | 6550 YORK AVE. S#500 EDINA, MN 55435 | $7K |
| CUNI RUST AND STRENK ACTUARY | Actuarial; Direct payment from the plan Service code 11 | 4555 LAKE FOREST DRIVE SUITE #620 CINCINNATI, OH 45242 | $7K |
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 | 247 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 147 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 394 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA | 192 | $594K |
| Dental | HUMANA | 192 | $594K |
| Vision(2 contracts, 2 carriers) | HUMANA | 407 | $661K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SIRIUS AMERICA INSURANCE COMPANY | 280 | $509K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 407 | — |
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.