| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 2600 W BIG BEAVER ROAD SUITE 140 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $13K | $13K | — |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE SUITE 400 VALHALLA, NY 10595 | THE UNION LABOR LIFE INSURANCE COMPANY | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE | Claims processing; Contract Administrator; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Insurance services; Other fees; Direct payment from the plan Service code 12 | 600 E LAFAYETTE ST DETROIT, MI 48226 | $1.0M |
| UNION LABOR LIFE INSURANCE COMPANY EIN 13-1423090 NONE | Claims processing; Direct payment from the plan; Insurance services Service code 12 | 1625 EYE STREET NW WASHINGTON, DC 20006 | $414K |
| BENESYS, INC. EIN 38-2383171 NONE | Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Consulting (general); Contract Administrator; Plan Administrator; Direct payment from the plan; Copying and duplicating Service code 10 | 700 TOWER DRIVE STE 300 TROY, MI 48098 | $282K |
| 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 | $198K |
| 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 | $110K |
| 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 | $57K |
| BULTYNCK & CO., PLLC EIN 20-3920878 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 15985 CANAL ROAD CLINTON TOWNSHIP, MI 48038 | $20K |
| REIMOLD PRINTING NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 5171 BLACKBEAK DRIVE 989-799-0784 SAGINAW, MI 48604 | $16K |
| STEFANSKY, HOLLOWAY, & NICHOLS EIN 38-2388845 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 22260 HAGGERTY RD STE 350 NORTHVILLE, MI 48167 | $14K |
| MACQUEEN AND ASSOCIATES EIN 20-0495393 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance services Service code 22 | 415 S WEST ST STE 350 ROYAL OAK, MI 48067 | $14K |
| MARQUETTE ASSOCIATES, INC. EIN 36-3485298 NONE | Direct payment from the plan; Consulting (general) Service code 16 | 180 N LA SALLE ST STE3500 CHICAGO, IL 60601 | $14K |
| TFBC, LLC EIN 27-3782504 NONE | Direct payment from the plan; Consulting (general) Service code 16 | 2 MIDAMERICA PLAZA 800 OAK BROOK, IL 60181 | $12K |
| MEDTIPSTER EIN 26-2894721 NONE | Other services; Direct payment from the plan; Contract Administrator Service code 13 | 24370 NORTHWESTERN HWY SOUTHFIELD, MI 48075 | $11K |
| UNITED ACTUARIAL SERVICES, INC. EIN 35-2156428 NONE | Direct payment from the plan; Actuarial; Consulting (general) Service code 11 | 11590 N MERIDIAN ST 610 CARMEL, IN 460324529 | $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 | 740 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 374 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 0 | $0 |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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.