| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 WEST FOURTH STREET SUITE 300 ROYAL OAK, MI 480672557 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | — | $0 | 0.00% |
| SAGINAW BAY UNDERWRITERS3 Filed as: SAGINAW UNDERWRITERS INC | PO BOX 1928 SAGINAW, MI 48605 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE | Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Direct payment from the plan; Other fees; Claims processing; Float revenue; Insurance services Service code 12 | 232 S. CAPITAL AVE LANSING, MI 48933 | $564K |
| BENESYS, INC. EIN 38-2383171 RECORDKEEPER | Direct payment from the plan; Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 14 | 700 TOWER DRIVE, STE 300 TROY, MI 48098 | $127K |
| NOVARA TESIJA, P.L.L.C. EIN 38-3763096 NONE | Legal; Direct payment from the plan Service code 29 | 2000 TOWN CTR STE 2370 SOUTHFIELD, MI 48075 | $118K |
| TFBC, LLC EIN 27-3782504 NONE | Direct payment from the plan; Consulting (general) Service code 16 | TWO MID AMERICA PLAZA 800 OAKBROOK TERRACE, IL 60181 | $55K |
| UNION SERVICE AGENCY EIN 38-3297465 NONE | Insurance services; Direct payment from the plan Service code 23 | 119 PERE MARQUETTE STE 1A LANSING, MI 48912 | $15K |
| STEFANSKY, HOLLOWAY, & NICHOLS INC EIN 38-2388845 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 22260 HAGGERTY ROAD, 350 NORTHVILLE, MI 48167 | $15K |
| BULTYNCK & CO., P.L.L.C EIN 20-3920878 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 15985 CANAL ROAD CLINTON TOWNSHIP, MI 48038 | $15K |
| AMERICAN GRAPHICS PRINTING CO EIN 38-2090931 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | 34895 GROESBECK HWY CLINTON TOWNSHIP, MI 48035 | $14K |
| PLUMBERS & PIPEFITTERS UA LOCAL 85 EIN 38-1119237 CONTRIBUTING EMPLOYER | Other services; Direct payment from the plan; Copying and duplicating Service code 36 | 6705 WEISS STREET SAGINAW, MI 48603 | $12K |
| OAKSTONE PUBLISHING, LLC NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 2700 CORPORATE DR STE 100 BIRMINGHAM, AL 35242 | $8K |
| UNITED ACTUARIAL SERVICES EIN 13-2600875 NONE | Actuarial; Direct payment from the plan Service code 11 | 11590 N. MERIDIAN, 610 CARMEL, IN 460324529 | $7K |
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 | 615 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 309 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 924 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 424 | $1.7M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,163 | $198K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,163 | $198K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,163 | $198K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 424 | $1.7M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 924 | $507K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,163 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.