| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATION BENEFITS CO3 Filed as: ASSOCIATION BENEFITS COMPANY | 38221 MOUND ROAD STERLING HEIGHTS, MI 483103466 | HUMANA | $450 | — | $450 | 0.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE | 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 | — | $229K |
| BENESYS INC EIN 38-2383171 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Direct payment from the plan; Other services; Copying and duplicating Service code 13 | — | $73K |
| THE SALUS GROUP NONE | Direct payment from the plan; Insurance services; Insurance agents and brokers Service code 22 | 38221 MOUND ROAD STERLING HEIGHTS, MI 48310 | $48K |
| LEDBETTER PARISI LLC EIN 03-0599899 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $32K |
| ENVISION PHARMACEUTICAL SERVICES EIN 05-0570786 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $11K |
| AMERICAN GRAPHICS PRINTING NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | 34895 GROESBECK CLINTON TOWNSHIP, MI 48035 | $8K |
| WRUBEL WESLEY & COMPANY C.P.A.'S EIN 38-2574238 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $8K |
| CUNI, RUS T& STRENK NONE | Direct payment from the plan; Actuarial Service code 11 | 4555 LAKE FOREST DRIVE SUITE #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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 173 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts) | HUMANA | 191 | $712K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE LLC | 241 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.