| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT SETTLE3 | 4000 TOWN CENTER DRIVE SUITE 800 SOUTHFIELD, MI 48075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $39K | — | $39K | 2.99% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE SUITE 400 VALHALLA, NY 10595 | THE UNION LABOR LIFE INSURANCE COMPANY | $19K | — | $19K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE | Other fees; Consulting (general); Float revenue; Insurance services; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | 600 E. LAFAYETTE BLVD. DETROIT, MI 48226 | $489K |
| THE UNION LABOR LIFE INSURANCE CO. EIN 13-1423090 NONE | Direct payment from the plan; Claims processing Service code 12 | 8403 COLESVILLE RD SILVER SPRING, MD 20910 | $358K |
| 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 | $264K |
| 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 | $103K |
| METROPOLITAN LIFE INSURANCE CO. EIN 13-5581829 NONE | Insurance services; Direct payment from the plan Service code 23 | 200 PARK AVENUE NEW YORK, NY 10017 | $79K |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | 4100 OKEMOS RD OKEMOS, MI 48864 | $75K |
| 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 | $24K |
| 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 | $19K |
| SEGAL SELECT INSURANCE SERVICES EIN 38-3297465 NONE | Insurance services; Direct payment from the plan Service code 23 | 119 PERE MARQUETTE STE 1A LANSING, MI 48912 | $15K |
| REIMOLD PRINTING NONE | Copying and duplicating; Direct payment from the plan Service code 36 | 5171 BLACKBEAK DRIVE SAGINAW, MI 48604 | $14K |
| TFBC, LLC EIN 27-3782504 NONE | Direct payment from the plan; Consulting (general) Service code 16 | 700 COMMERCE DRIVE OAK BROOK, IL 60523 | $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 | $10K |
| UNITED ACTUARIAL SERVICES EIN 13-2600875 NONE | Direct payment from the plan; Actuarial Service code 11 | 11590 N. MERIDIAN, 610 CARMEL, IN 460324529 | $9K |
| AMERICAN GRAPHICS PRINTING CO. EIN 38-2090931 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $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 | 665 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 354 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,019 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 399 | $1.3M |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 719 | $386K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 719 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.