| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MACQUEEN & ASSOCIATES LLC Filed as: MACQUEEN & ASSOCIATES, LLC | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | THE UNION LABOR LIFE INSURANCE COPANY | $21K | $7K | $27K | 10.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SAV-RX NONE | Direct payment from the plan; Claims processing Service code 12 | 224 NORTH PARK AVE FREMONT, NE 68025 | $503K |
| BENESYS EIN 38-2383171 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing); Direct payment from the plan; Contract Administrator Service code 10 | — | $365K |
| PHX NONE | Other services Service code 49 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | $96K |
| COFINITY NONE | Claims processing; Direct payment from the plan Service code 12 | 28588 NORTHWESTERN HWY SOUTHFIELD, MI 48034 | $73K |
| LAURA LINTON NONE | Employee (plan); Direct payment from the plan Service code 30 | 700 TOWER DRIVE STE 220 TROY, MI 48098 | $71K |
| BRENDA JENKINS NONE | Employee (plan); Direct payment from the plan Service code 30 | 700 TOWER DRIVE, STE. 220 TROY, MI 48098 | $52K |
| 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 | Employee (plan); Direct payment from the 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 | $45K |
| SACHS WALDMAN PROFESSIONAL CORP. EIN 38-1905521 NONE | Legal; Direct payment from the plan Service code 29 | — | $43K |
| ALICARE MEDICAL MANAGEMENT EIN 13-3860528 NONE | Other services; Direct payment from the plan Service code 49 | — | $39K |
| MAJORI AIKEN NONE | Direct payment from the plan; Employee (plan) Service code 30 | 700 TOWER DRIVE, STE 220 TROY, MI 48098 | $38K |
| NOVARA TESIJA, PLLC EIN 38-2823147 NONE | Legal; Direct payment from the plan Service code 29 | — | $31K |
| 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 | $16K |
| BENDA, GRACE, STULZ & COMPANY, P.C. EIN 38-2284921 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $16K |
| MAIL FINANCE NONE | Direct payment from the plan; Other services Service code 49 | 1335 VALWOOD PARKWAY CARROLLTON, TX 75006 | $10K |
| STEFANSKY, HOLLOWAY, NICHOLS EIN 38-2388845 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $7K |
| AMERICAN GRAPHICS PRINTING CO NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 34895 GROESBECK HIGHWAY CLINTON TOWNSHIP, MI 48035 | $5K |
| THE SEGAL COMPANY EIN 13-1975125 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $5K |
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 | 868 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 424 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAP | 20 | $157K |
| Dental | GOLDEN DENTAL PLAN | 690 | $96K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COPANY | 1,008 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,008 | — |
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.