| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATION BENEFITS CO3 Filed as: ASSOCIATION BENEFITS COMPANY | — | HUMANA | $22K | — | $22K | 2.84% |
| MICHAEL BUCK3 | 38223 MOUND ROAD BUILDING F STERLING HEIGHTS, MI 483103466 | BLUE CROSS BLUE SHIELD | $11K | — | $11K | 3.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE | Float revenue; Insurance services; Contract Administrator; Other fees; Direct payment from the plan; Claims processing; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $228K |
| BENESYS INC EIN 38-2383171 NONE | Other services; Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Participant communication; Other fees; Copying and duplicating Service code 10 | — | $80K |
| THE SALUS GROUP NONE | Insurance services; Insurance agents and brokers; Direct payment from the plan 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 | — | $26K |
| PNC BANK NONE | Other services; Other fees; Direct payment from the plan Service code 49 | ONE FINANCIAL PARKWAY KALAMAZOO, MI 49009 | $24K |
| AMERICAN GRAPHICS PRINTING NONE | Copying and duplicating; Direct payment from the plan Service code 36 | 34895 GROESBECK HIGHWAY CLINTON TOWNSHIP, MI 48035 | $12K |
| CUNI, RUST AND STRENK NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 4555 LAKE FOREST DRIVE SUITE 620 CINCINNATI, OH 45242 | $11K |
| WRUBEL WESLEY AND COMPANY CPAS EIN 38-2574238 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $8K |
| ULLIANCE INC NONE | Direct payment from the plan; Other services Service code 49 | 900 TOWER DRIVE TROY, MI 48098 | $7K |
| AMERICAN HEALTH HOLDING NONE | Other services; Direct payment from the plan Service code 49 | P.O. BOX 360142 PITTSBURGH, PA 152506142 | $6K |
| ELIXER EIN 05-0570786 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 166 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA | 195 | $768K |
| Dental | HUMANA | 195 | $768K |
| Vision | HUMANA | 195 | $768K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD | 264 | $312K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.