| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MACQUEEN & ASSOCIATES LLC Filed as: MACQUEEN & ASSOCIATES, LLC | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | ULLICO | $18K | — | $18K | 6.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SAV-RX NONE | Direct payment from the plan; Claims processing Service code 12 | 224 NORTH PARK AVE FREMONT, NE 68025 | $487K |
| BENESYS EIN 38-2383171 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing); Contract Administrator Service code 10 | — | $308K |
| PHX NONE | Other services Service code 49 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | $101K |
| COFINITY NONE | Claims processing; Direct payment from the plan Service code 12 | 28588 NORTHWESTERN HWY SOUTHFIELD, MI 48034 | $71K |
| LAURA LINTON NONE | Direct payment from the plan; Employee (plan) Service code 30 | 700 TOWER DRIVE STE 220 TROY, MI 48098 | $68K |
| BRENDA JENKINS NONE | Employee (plan); Direct payment from the plan Service code 30 | 700 TOWER DRIVE, STE. 220 TROY, MI 48098 | $51K |
| STACY LOVELACE NONE | Employee (plan); Direct payment from the plan Service code 30 | 700 TOWER DRIVE, STE. 220 TROY, MI 48098 | $49K |
| HEATHER LIGGET NONE | Direct payment from the plan; Employee (plan) Service code 30 | 700 TOWER DRIVE, STE. 220 TROY, MI 48098 | $48K |
| CHISTINA BLANKENSHIP NONE | Direct payment from the plan; Employee (plan) Service code 30 | 700 TOWER DRIVE, STE. 220 TROY, MI 48098 | $46K |
| MAKORIE AIKEN NONE | Employee (plan); Direct payment from the plan Service code 30 | 700 TOWER DRIVE, STE 220 TROY, MI 48098 | $39K |
| ALICARE MEDICAL MANAGEMENT EIN 13-3860528 NONE | Direct payment from the plan; Other services Service code 49 | — | $35K |
| SACHS WALDMAN PROFESSIONAL CORP. EIN 38-1905521 NONE | Legal; Direct payment from the plan Service code 29 | — | $26K |
| JP MORGAN CHASE BANK NONE | Other services; Direct payment from the plan; Account maintenance fees Service code 49 | P.O. BOX 659754 SAN ANTONIO, TX 782659754 | $18K |
| BENDA, GRACE, STULZ & COMPANY, P.C. EIN 38-2284921 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $15K |
| MAIL FINANCE NONE | Direct payment from the plan; Other services Service code 49 | 1335 VALWOOD PARKWAY CARROLLTON, TX 75006 | $10K |
| MORGAN STANLEY & CO INCORPORATED EIN 94-1671384 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $10K |
| AMERICAN GRAPHICS PRINTING CO NONE | Copying and duplicating; Direct payment from the plan Service code 36 | 34895 GROESBECK HIGHWAY CLINTON TOWNSHIP, MI 48035 | $8K |
| THE SEGAL COMPANY NONE | Direct payment from the plan; Actuarial Service code 11 | 1300 EAST 9TH STREET CLEVELAND, OH 441944543 | $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 | 601 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 373 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 974 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAP | 20 | $179K |
| Dental | GOLDEN DENTAL PLAN | 730 | $95K |
| Stop-loss / reinsurancereinsurance | ULLICO | 730 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 730 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.