| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT SETTLE3 | 2600 W BIG BEAVER ROAD SUITE 140 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $43K | — | $43K | 4.25% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | HM LIFE INSURANCE COMPANY | $25K | — | $25K | 5.00% |
| MACQUEEN & ASSOCIATES LLC3 Filed as: MACQUEEN AND ASSOCIATES LLC | 415 S WEST ST ROYAL OAK, MI 480672521 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $75 | $23K | 9.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS, INC. EIN 38-2383171 NONE | Claims processing; Contract Administrator; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing); Plan Administrator; Copying and duplicating; Direct payment from the plan Service code 10 | 700 TOWER DRIVE STE 300 TROY, MI 48098 | $285K |
| NOVARA, TESIJA & CATENACCI, PLLC EIN 38-3763096 NONE | Direct payment from the plan; Legal Service code 29 | 888 W BIG BEAVER RD 600 TROY, MI 48084 | $125K |
| UNION LABOR LIFE INSURANCE COMPANY EIN 13-1423090 NONE | Insurance services; Claims processing; Direct payment from the plan Service code 12 | 1625 EYE STREET NW WASHINGTON, DC 20006 | $74K |
| USI INSURANCE SERVICES EIN 13-3771734 NONE | Insurance services; Direct payment from the plan; Consulting (general) Service code 16 | 2600 W BIG BEAVER RD TROY, MI 48084 | $45K |
| PLUMBERS & PIPEFITTERS UA LOCAL 85 EIN 38-1119237 CONTRIBUTING EMPLOYER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Employee (plan sponsor); Copying and duplicating; Direct payment from the plan Service code 15 | 3535 BAY ROAD SAGINAW, MI 48603 | $25K |
| MARQUETTE ASSOCIATES, INC. EIN 36-3485298 NONE | Consulting (general); Direct payment from the plan Service code 16 | 180 N LA SALLE ST STE3500 CHICAGO, IL 60601 | $25K |
| BULTYNCK & CO., PLLC EIN 20-3920878 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 15985 CANAL ROAD CLINTON TOWNSHIP, MI 48038 | $20K |
| MACQUEEN AND ASSOCIATES EIN 20-0495393 NONE | Insurance services; Insurance agents and brokers; Direct payment from the plan Service code 22 | 415 S WEST ST STE 350 ROYAL OAK, MI 48067 | $13K |
| MEDTIPSTER EIN 26-2894721 NONE | Contract Administrator; Other services; Direct payment from the plan Service code 13 | 24370 NORTHWESTERN HWY SOUTHFIELD, MI 48075 | $11K |
| UNITED ACTUARIAL SERVICES, INC. EIN 35-2156428 NONE | Consulting (general); Direct payment from the plan; Actuarial Service code 11 | 11590 N MERIDIAN ST 610 CARMEL, IN 460324529 | $9K |
| AMERICAN GRAPHICS PRINTING CO EIN 38-2090031 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | 34985 GROESBECK HWY CLINTON TOWNSHIP, MI 48035 | $9K |
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 | 718 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 337 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,055 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 391 | $1.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,301 | $247K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 391 | $1.0M |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 768 | $499K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,301 | $247K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,301 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.