| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MACQUEEN & ASSOCIATES LLC3 Filed as: MACQUEEN AND ASSOCIATES, LLC | 2191 TWELVE MILE RD BERKLEY, MI 48072 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $19K | — | $19K | 5.25% |
| MACQUEEN & ASSOCIATES LLC3 Filed as: MACQUEEN AND ASSOCIATES, LLC | 2191 TWELVE MILE RD BERKLEY, MI 48072 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 21.12% |
| MACQUEEN & ASSOCIATES LLC Filed as: MACQUEEN AND ASSOCIATES, LLC | 2191 TWELVE MILE RD BERKLEY, MI 48072 | HARTFORD LIFE AND ACCIDENT | $298 | — | $298 | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NOVARA TESIJA, PLLC EIN 38-3507129 NONE | Legal Service code 29 | 2400 TOWN CENTER, STE. 2370 SOUTHFIELD, MI 48075 | $91K |
| UA LOCAL 671 EIN 38-6155145 NONE | Contract Administrator Service code 13 | 309 DETROIT AVE MONROE, MI 48161 | $55K |
| TIC INTERNATIONAL NONE | Contract Administrator; Accounting (including auditing); Claims processing Service code 10 | 11590 NORTH MERIDIAN ST., SUITE 600 CARMEL, IN 460324529 | $51K |
| FRONTPATH HEALTH COALITION EIN 34-1713951 NONE | Other fees Service code 99 | 12875 ECKEL JUNCTION ROAD PERRYSBURG, OH 43551 | $26K |
| MILLIMAN, INC. EIN 91-0675641 NONE | Actuarial Service code 11 | 945 E. OACES ROAD, STE. 2500 ATLANTA, GA 30326 | $15K |
| LUBLINSUSSMAN GROUP, LLP EIN 34-1087273 NONE | Accounting (including auditing) Service code 10 | 3166 N. REPUBLIC BLVD TOLEDO, OH 43615 | $14K |
| BENESYS, INC. EIN 38-2383171 NONE | Claims processing; Contract Administrator; Accounting (including auditing) Service code 10 | 700 TOWER DRIVE, STE. 300 TROY, MI 48098 | $11K |
| HEALTHSMART CARE MANAGEMENT SOLUTIO EIN 75-2960859 NONE | Other fees Service code 99 | PO BOX 842088 DALLAS, TX 752842088 | $10K |
| COMERICA BANK EIN 42-1741646 NONE | Investment management Service code 28 | 411 W. LAFAYETTE AVE. DETROIT, MI 48226 | $8K |
| PREMIER HEALTHCARE EXCHANGE EIN 86-1040704 NONE | Other fees Service code 99 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | $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 | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 102 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 283 | $47K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 283 | $359K |
| Other | HARTFORD LIFE AND ACCIDENT | 0 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.