| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATION BENEFITS CO3 Filed as: ASSOCIATION BENEFITS COMPANY | 27333 MEADOWBROOK #230 NOVI, MI 483773542 | HUMANA | $15K | — | $15K | 3.94% |
| ASSOCIATION BENEFITS CO3 Filed as: ASSOCIATION BENEFITS COMPANY | 27333 MEADOWBROOK NOVI, MI 483773542 | HUMANA | $12K | — | $12K | 3.65% |
| MICHAEL C WALKER3 Filed as: MICHAEL G. BUCK | 38221 MOUND ROAD STERLING HEIGHTS, MI 483103466 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $7K | $479 | $7K | 3.69% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL | 101 W. BIG BEAVER #600 TROY, MI 480845282 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $4K | $4K | 1.86% |
| ASSOCIATION BENEFITS CO3 Filed as: ASSOCIATION BENEFITS COMPANY | 27333 MEADOWBROOK #230 NOVI, MI 483773542 | HUMANA | $1K | — | $1K | 3.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF MICHI EIN 38-2069753 NONE KNOWN | Consulting (general); Float revenue; Insurance services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Direct payment from the plan Service code 12 | — | $190K |
| BENESYS, INC. EIN 38-2383171 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $64K |
| ASSOCIATION BENEFITS CO. EIN 38-3000355 NONE | Consulting (pension); Direct payment from the plan Service code 17 | — | $48K |
| LEDBETTER PARISI LLC EIN 03-0599899 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $17K |
| ENVISION PHARMACEUTICAL SERVICES IN EIN 05-0570786 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $13K |
| WRUBEL, WESLEY & COMPANY C.P.A.'S EIN 38-2574238 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $7K |
| CUNI, RUST & STRENK NONE | Actuarial; Direct payment from the plan Service code 11 | 4555 LAKE FOREST DRIVE STE. #620 CINCINNATI, OH 45242 | $5K |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 126 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | HUMANA | 97 | $747K |
| Prescription drug | HUMANA | 97 | $392K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 540 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 540 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.