| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MACQUEEN INSURANCE GROUP3 Filed as: MACQUEEN & ASSOC LLC | 2191 TWELVE MILE RD BERKLEY, MI 48072 | COMPANION LIFE COLUMBIA,SC | $16K | — | $16K | 8.00% |
| MACQUEEN INSURANCE GROUP3 Filed as: MACQUEEN & ASSOC LLC | 2191 TWELVE MILE RD BERKLEY, MI 48072 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 15.00% |
| MACQUEEN & ASSOCIATES LLC3 Filed as: MACQUEEN AND ASSOCIATES LLC | 2191 12 MILE RD BERKLEY, MI 48072 | METLIFE | $4K | $1K | $5K | 16.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NOVARA TESIJA, PLLC EIN 38-3507129 NONE | Legal Service code 29 | 2400 TOWN CENTER, STE. 2370 SOUTHFIELD, MI 48075 | $85K |
| TIC INTERNATIONAL CORP NONE | Claims processing; Accounting (including auditing); Contract Administrator Service code 10 | 6525 CENTURION DR. LANSING, MI 48917 | $58K |
| FRONTPATH HEALTH COALITION EIN 34-1713951 NONE | Other fees Service code 99 | 12875 ECKEL JUNCTION ROAD PERRYSBURG, OH 43551 | $58K |
| UNITED ACTUARIAL SERVICES, INC. EIN 38-1753045 NONE | Actuarial Service code 11 | 11590 NORTH MERIDIAN ST., SUITE 610 CARMEL, IN 46032 | $39K |
| HEALTHSMART CARE MANAGEMENT SOLUTIO EIN 75-2960859 NONE | Other fees Service code 99 | PO BOX 842088 DALLAS, TX 752842088 | $22K |
| UA LOCAL 671 EIN 38-6155145 NONE | Contract Administrator Service code 13 | 309 DETROIT AVE MONROE, MI 48161 | $20K |
| DAVENPORT, HANF AND COMPANY, LLC EIN 41-2173670 NONE | Accounting (including auditing) Service code 10 | 28276 KENSINGTON LANE PERRYSBURG, OH 43551 | $15K |
| MORGAN STANLEY EIN 26-4310632 NONE | Direct payment from the plan; Investment advisory (plan); Other investment fees and expenses Service code 27 | 200 PUBLIC SQUARE, SUITE 2600 CLEVELAND, OH 44114 | $14K |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 120 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 279 | $70K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE COLUMBIA,SC | 287 | $201K |
| Other | METLIFE | 279 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.