| 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 | $40K | — | $40K | 6.02% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE SUITE 400 VALHALLA, NY 10595 | THE UNION LABOR LIFE INSURANCE COMPANY | $25K | — | $25K | 5.00% |
| BENEFITMALL3 | 700 TOWER DRIVE SUITE 300 TROY, MI 48098 | THE UNION LABOR LIFE INSURANCE COMPANY | $8K | — | $8K | 1.50% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.67% |
| 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 | $657K |
| 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 | $462K |
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE | Claims processing; Float revenue; Insurance services; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Direct payment from the plan; Contract Administrator Service code 12 | 600 E. LAFAYETTE BLVD. DETROIT, MI 48226 | $377K |
| THE LINCOLN NATIONAL LIFE INSURANCE EIN 35-0472300 NONE | Claims processing; Direct payment from the plan Service code 12 | 150 NORTH RADNOR CHESTER RADNOR, PA 19087 | $204K |
| BENESYS, INC. EIN 38-2383171 NONE | 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 | $197K |
| 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 | $117K |
| PLUMBERS & PIPEFITTERS UA LOCAL 85 EIN 38-1119237 CONTRIBUTING EMPLOYER | Other services; Copying and duplicating; Direct payment from the plan Service code 36 | P.O. BOX 6547 SAGINAW, MI 48608 | $37K |
| UNION SERVICES AGENCY EIN 38-3297465 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | 119 PERE MARQUETTE STE 1A LANSING, MI 48912 | $32K |
| BULTYNCK & CO., P.L.L.C EIN 20-3920878 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 15985 CANAL ROAD CLINTON TOWNSHIP, MI 48038 | $18K |
| METLIFE EIN 13-5581829 NONE | Direct payment from the plan; Insurance services Service code 23 | 200 PARK AVENUE NEW YORK, NY 10017 | $13K |
| TFBC, LLC EIN 27-3782504 NONE | Direct payment from the plan; Consulting (general) Service code 16 | 700 COMMERCE DRIVE OAK BROOK, IL 60523 | $12K |
| DORNBOS PRINTING IMPRESSIONS NONE | Copying and duplicating; Direct payment from the plan Service code 36 | 1131 GENESEE AVE 989-755-2116 SAGINAW, MI 48607 | $12K |
| MEDTIPSTER.COM LLC NONE | Direct payment from the plan; Other services Service code 49 | 24370 NORTHWESTERN, 140 248-663-0059 SOUTHFIELD, MI 48076 | $11K |
| 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 | $11K |
| UNITED ACTUARIAL SERVICES EIN 13-2600875 NONE | Direct payment from the plan; Actuarial Service code 11 | 11590 N. MERIDIAN, 610 CARMEL, IN 460324529 | $8K |
| MDLIVE MEDICAL GROUP, P.A. EIN 27-0982413 NONE | Consulting (general); Direct payment from the plan Service code 16 | 3350 SW 148TH AVE, STE300 MIRAMAR, FL 33027 | $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 | 668 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 366 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,034 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 390 | $657K |
| Dental | DELTA DENTAL OF MICHIGAN | 2,276 | $375K |
| Life insurance(2 contracts, 2 carriers) | THE UNION LABOR LIFE INSURANCE COMPANY | 1,206 | $646K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,206 | $146K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,206 | $146K |
| Other | HAP PREFERRED, INC. | 0 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,276 | — |
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.