| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENESYS INC4 Filed as: BENESYS, INC, | 700 TOWER DRIVE SUITE 300 TROY, MI 480982835 | HUMANA INSURANCE COMPANY | $44K | — | $44K | 2.97% |
| BENEFITMALL4 | 2111 E. HIGHLAND AVE PHOENIX, AZ 85016 | THE UNION LABOR LIFE INSURANCE COMPANY | $9K | — | $9K | 2.00% |
| SAGINAW BAY UNDERWRITERS3 Filed as: SAGINAW UNDERWRITERS, INC. | P.O. BOX 1928 SAGINAW, MI 48605 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 2.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUMANA INSURANCE COMPANY EIN 39-1263473 NONE | Direct payment from the plan; Claims processing Service code 12 | 500 WEST MAIN STREET LOUISVILLE, KY 40202 | $1.5M |
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Direct payment from the plan; Contract Administrator; Claims processing; Insurance services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Consulting (general) Service code 12 | 600 E. LAFAYETTE BLVD. DETROIT, MI 48226 | $550K |
| BENEFITMALL EIN 95-4018229 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | 4851 LYNDON JOHNSON, 1200 DALLAS, TX 752446004 | $309K |
| THE LINCOLN NATIONAL LIFE INSURANCE EIN 35-0472300 NONE | Direct payment from the plan; Claims processing Service code 12 | 150 NORTH RADNOR CHESTER RADNOR, PA 19087 | $206K |
| THE UNION LABOR LIFE INSURANCE CO. EIN 13-1423090 NONE | Claims processing; Direct payment from the plan Service code 12 | 8403 COLESVILLE RD SILVER SPRING, MD 20910 | $120K |
| BENESYS, INC. EIN 38-2383171 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Plan Administrator Service code 14 | 700 TOWER DRIVE, STE 300 TROY, MI 48098 | $114K |
| NOVARA TESIJA & CATENACCI, P.L.L.C. EIN 38-3763096 NONE | Direct payment from the plan; Legal Service code 29 | 888 W. BIG BEAVER RD, 600 TROY, MI 48084 | $99K |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 BENEFIT ADMINISTRATOR | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | 4100 OKEMOS RD OKEMOS, MI 48864 | $40K |
| SAV-RX PRESCRIPTION SERVICES EIN 47-0527013 NONE | Other services; Direct payment from the plan Service code 49 | 224 NORTH PARK AVENUE FREEMONT, NE 68025 | $33K |
| HAP PREFERRED, INC. EIN 38-2242827 NONE | Claims processing; Direct payment from the plan Service code 12 | 2850 W. GRAND RIVER BLVD. DETROIT, MI 48202 | $25K |
| PLUMBERS & PIPEFITTERS UA LOCAL 85 EIN 38-1119237 CONTRIBUTING EMPLOYER | Direct payment from the plan; Copying and duplicating; Other services Service code 36 | P.O. BOX 6547 SAGINAW, MI 48608 | $23K |
| TFBC, LLC EIN 27-3782504 NONE | Direct payment from the plan; Consulting (general) Service code 16 | 700 COMMERCE DRIVE OAK BROOK, IL 60523 | $23K |
| 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 | $16K |
| UNION SERVICES AGENCY EIN 38-3297465 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | 119 PERE MARQUETTE STE 1A LANSING, MI 48912 | $16K |
| STEFANSKY, HOLLOWAY, & NICHOLS INC EIN 38-2388845 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 22260 HAGGERTY ROAD, 350 NORTHVILLE, MI 48167 | $12K |
| UNITED ACTUARIAL SERVICES EIN 13-2600875 NONE | Direct payment from the plan; Actuarial Service code 11 | 11590 N. MERIDIAN, 610 CARMEL, IN 460324529 | $8K |
| DORNBOS PRINTING IMPRESSIONS NONE | Copying and duplicating; Direct payment from the plan Service code 36 | 1131 GENESEE AVE 989-755-2116 SAGINAW, MI 48607 | $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 | 645 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 376 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,021 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 409 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | THE UNION LABOR LIFE INSURANCE COMPANY | 1,180 | $690K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,180 | $225K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,180 | $225K |
| Other | HAP PREFERRED, INC. | 221 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,180 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.