| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATION BENEFITS CO3 Filed as: ASSOCIATION BENEFITS COMPANY | 38221 MOUND ROAD BUILDING G STERLING HEIGHTS, MI 483103466 | HUMANA | $16K | — | $16K | 5.86% |
| ASSOCIATION BENEFITS CO3 Filed as: ASSOCIATION BENEFITS COMPANY | 38221 MOUND ROAD STERLING HEIGHTS, MI 483103466 | HUMANA INSURANCE COMPANY | $20K | — | $20K | 8.91% |
| ASSOCIATON BENEFITS COMPANY3 | 38221 MOUND ROAD BUILDING G STERLING HEIGHTS, MI 483103466 | HUMANA INSURANCE COMPANY | $150 | — | $150 | 0.13% |
| ASSOCIATION BENEFITS CO3 Filed as: ASSOCIATION BENEFITS COMPANY | 38221 MOUND ROAD BUILDING G STERLING HEIGHTS, MI 483103466 | HUMANA | $2K | — | $2K | 9.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF MICHI EIN 38-2069753 NONE KNOWN | Claims processing; Direct payment from the plan; Contract Administrator; Float revenue; Consulting (general); Insurance services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees Service code 12 | — | $212K |
| BENESYS, INC. EIN 38-2383171 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $73K |
| 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 | — | $29K |
| ENVISION PHARMACEUTICAL SERVICES IN EIN 05-0570786 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $10K |
| WRUBEL, WESLEY & COMPANY C.P.A.'S EIN 38-2574238 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $8K |
| CUNI, RUST & STRENK NONE | Actuarial; Direct payment from the plan Service code 11 | 4555 LAKE FOREST DRIVE STE. #620 CINCINNATI, OH 45242 | $1K |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 132 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | HUMANA | 98 | $650K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 222 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.