| 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 | $33K | — | $33K | 10.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SAV-RX NONE | Claims processing Service code 12 | 224 NORTH PARK AVE FREMONT, NE 68025 | $564K |
| BENESYS EIN 38-2383171 NONE | Accounting (including auditing) Service code 10 | — | $424K |
| NOVARA TESIJA, PLLC EIN 38-2823147 NONE | Legal Service code 29 | — | $113K |
| COFINITY NONE | Claims processing Service code 12 | 28588 NORTHWESTERN HWY SOUTHFIELD, MI 48034 | $88K |
| LAURA LINTON NONE | Employee (plan) Service code 30 | 700 TOWER DRIVE, STE. 220 TROY, MI 48098 | $79K |
| ALICARE MEDICAL MANAGEMENT EIN 13-3860528 NONE | Other services Service code 49 | — | $56K |
| BRENDA JENKINS NONE | Employee (plan) Service code 30 | 700 TOWER DRIVE, STE. 220 TROY, MI 48098 | $54K |
| STACY LOVELACE NONE | Employee (plan) Service code 30 | 700 TOWER DRIVE, STE. 220 TROY, MI 48098 | $50K |
| HEATHER LIGGETT NONE | Employee (plan) Service code 30 | 700 TOWER DRUVE, STE3 220 TROY, MI 480980000 | $49K |
| CHRISTINA BLANKENSHIP NONE | Employee (plan) Service code 30 | 700 TOWER DRIVE, STE. 220 TROY, MI 480980000 | $46K |
| SACHS WALDMAN PROFESSIONAL CORP. EIN 38-1905521 NONE | Legal Service code 29 | — | $42K |
| SALUS GROUP NONE | Consulting (general) Service code 16 | 38233 MOUD ROAD, BLDG F STERLING HEIGHTS, MI 48310 | $41K |
| STEFANSKY, HOLLOWAY, NICHOLS EIN 38-2388845 NONE | Actuarial Service code 11 | — | $26K |
| BENDA, GRACE, STULZ & COMPANY, P.C. EIN 38-2284921 NONE | Accounting (including auditing) Service code 10 | — | $25K |
| JP MORGAN CHASE BANK NONE | Other services Service code 49 | P.O. BOX 659754 SAN ANTONIO, TX 782659754 | $13K |
| MAIL FINANCE NONE | Other services Service code 49 | 1335 VALWOOD PARKWAY CARROLLTON, TX 75006 | $11K |
| AMERICAN GRAPHICS PRINTING CO NONE | Copying and duplicating Service code 36 | 34895 GROESBECK HIGHWAY CLINTON TOWNSHIP, MI 48035 | $9K |
| MORGAN STANLEY NONE | Investment advisory (plan) Service code 27 | 220 PARK ST., STE. 220 BIRMINGHAM, MI 48009 | $8K |
| THE SEGAL COMPANY EIN 13-1975125 NONE | Actuarial Service code 11 | — | $6K |
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 | 944 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 495 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAP | 13 | $97K |
| Dental | GOLDEN DENTAL PLAN | 773 | $105K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COPANY | 927 | $316K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 927 | — |
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.