| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATION BENEFITS CO3 Filed as: ASSOCIATION BENEFITS COMPANY | 38233 MOUND ROAD BUILDING F STERLING HEIGHTS, MI 483103466 | HUMANA | $22K | — | $22K | 3.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE | Claims processing; Contract Administrator; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Insurance services; Other fees; Direct payment from the plan Service code 12 | — | $270K |
| BENESYS INC EIN 38-2383171 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Accounting (including auditing); Other fees; Participant communication; Copying and duplicating Service code 10 | — | $76K |
| THE SALUS GROUP NONE | Direct payment from the plan; Insurance agents and brokers; Insurance services Service code 22 | 38221 MOUND ROAD STERLING HEIGHTS, MI 48310 | $48K |
| PNC BANK NONE | Other services; Other fees; Direct payment from the plan Service code 49 | ONE FINANCIAL PARKWAY KALAMAZOO, MI 49009 | $24K |
| LEDBETTER PARISI LLC EIN 03-0599899 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $18K |
| ENVISION PHARMACEUTICAL SERVICES EIN 05-0570786 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $10K |
| WRUBEL WESLEY AND COMPANY C.P.A.'S EIN 38-2574238 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $9K |
| AMERICAN HEALTH HOLDING NONE | Direct payment from the plan; Other services Service code 49 | 7400 W. CAMPUS ROAD NEW ALBANY, OH 43054 | $7K |
| ULLIANCE INC. NONE | Direct payment from the plan; Other services Service code 49 | 900 TOWER DRIVE #600 TROY, MI 48098 | $7K |
| CUNI, RUST AND 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 | 214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 176 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA | 200 | $601K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 258 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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."
No prospect flags tripped on this filing.