| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MACQUEEN INSURANCE GROUP3 Filed as: MACQUEEN & ASSOC LLC | 2191 TWELVE MILE RD BERKLEY, MI 48072 | UNION LABOR LIFE INSURANCE COMPANY | $39K | — | $39K | 10.29% |
| MACQUEEN & ASSOCIATES LLC3 Filed as: MACQUEEN AND ASSOCIATES LLC | 2191 12 MILE RD BERKLEY, MI 48072 | METLIFE | $10K | $16 | $10K | 16.28% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FRONTPATH HEALTH COALITION EIN 34-1713951 NONE | Other fees Service code 99 | 12875 ECKEL JUNCTION ROAD PERRYSBURG, OH 43551 | $153K |
| NOVARA TESIJA, PLLC EIN 38-3507129 NONE | Legal Service code 29 | 888 W. BIG BEAVER RD TROY, MI 48084 | $126K |
| TIC INTERNATIONAL CORP NONE | Accounting (including auditing); Claims processing; Plan Administrator Service code 10 | 6525 CENTURION DR LANSING, MI 48917 | $103K |
| UNITED ACTUARIAL SERVICES, INC EIN 38-1753045 NONE | Actuarial Service code 11 | 11590 NORTH MERIDIAN ST CARMEL, IN 46032 | $44K |
| UA LOCAL 671 EIN 38-6155145 NONE | Contract Administrator Service code 13 | 309 DETROIT AVE MONROE, MI 48161 | $28K |
| HEALTHSMART CARE MANAGEMENT SOLUTIO EIN 75-2960859 NONE | Other fees Service code 99 | PO BOX 842088 DALLAS, TX 752842088 | $26K |
| TITUS & URBANSKI, INC EIN 34-1695540 NONE | Accounting (including auditing) Service code 10 | 3220 CENTRAL PARK WEST TOLEDO, OH 43617 | $18K |
| MORGAN STANLEY EIN 26-4310632 NONE | Direct payment from the plan; Securities brokerage; Other investment fees and expenses; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees; Other fees; Securities brokerage commissions and fees; Investment advisory (plan) Service code 15 | 200 PUBLIC SQUARE CLEVELAND, OH 44114 | $12K |
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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 136 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METLIFE | 304 | $63K |
| Stop-loss / reinsurancereinsurance | UNION LABOR LIFE INSURANCE COMPANY | 198 | $379K |
| Other | METLIFE | 304 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.