| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT PARTNERS GROUP LLC3 Filed as: BENEFIT PARTNERS LLC | 38233 MOUND ROAD, BLDG F STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN MEDICARE ADVANTAGE | $12K | — | $12K | 1.76% |
| MACQUEEN & ASSOCIATES LLC3 Filed as: MACQUEEN & ASSOCIATES, LLC | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | THE UNION LABOR LIFE INSURANCE COPANY | $35K | — | $35K | 10.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SAV-RX NONE | Claims processing; Direct payment from the plan Service code 12 | 224 NORTH PARK AVE FREMONT, NE 68025 | $556K |
| BENESYS EIN 38-2383171 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Accounting (including auditing); Direct payment from the plan Service code 10 | — | $413K |
| COFINITY NONE | Claims processing; Direct payment from the plan Service code 12 | 28588 NORTHWESTERN HWY SOUTHFIELD, MI 48034 | $92K |
| LAURA SCOTT NONE | Direct payment from the plan; Employee (plan) Service code 30 | 700 TOWER DRIVE, STE. 220 TROY, MI 48098 | $69K |
| BRENDA O'MALLEY NONE | Direct payment from the plan; Employee (plan) Service code 30 | 700 TOWER DRIVE, STE. 220 TROY, MI 48098 | $55K |
| STACY LOVELACE NONE | Direct payment from the plan; Employee (plan) Service code 30 | 700 TOWER DRIVE, STE. 220 TROY, MI 48098 | $51K |
| HEATHER LIGGETT NONE | Direct payment from the plan; Employee (plan) Service code 30 | 700 TOWER DRIVE, STE. 220 TROY, MI 48098 | $51K |
| SALUS GROUP NONE | Consulting (general); Direct payment from the plan Service code 16 | 38233 MOUND ROAD, BLDG F STERLING HEIGHTS, MI 48310 | $49K |
| CHRISTINA BLANKENSHIP NONE | Direct payment from the plan; Employee (plan) Service code 30 | 700 TOWER DRIVE, STE. 220 TROY, MI 48098 | $48K |
| NOVARA TESIJA PLLC EIN 38-2823147 NONE | Legal; Direct payment from the plan Service code 29 | — | $44K |
| ALICARE MEDICAL MANAGEMENT EIN 13-3860528 NONE | Other services; Direct payment from the plan Service code 49 | — | $42K |
| ROWLA YOUSIF NONE | Employee (plan); Direct payment from the plan Service code 30 | 700 TOWER DRIVE, STE. 220 TROY, MI 48098 | $41K |
| JOCELYN PHILLIPS NONE | Employee (plan); Direct payment from the plan Service code 30 | 700 TOWER DRIVE, STE. 220 TROY, MI 48098 | $41K |
| SACHS WALDMAN PROFESSIONAL CORP. EIN 38-1905521 NONE | Legal; Direct payment from the plan Service code 29 | — | $39K |
| BENDA, GRACE, STULZ & COMPANY PC EIN 38-2284921 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $26K |
| STEFANSKY, HOLLOWAY, NICHOLS EIN 38-2388845 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $22K |
| WATKINS,PAWLICK,CALATI & PRIFTI PC NONE | Legal; Direct payment from the plan Service code 29 | 1423 EAST 12 MILE ROAD MADISON HEIGHTS, MI 48071 | $18K |
| AMERICAN GRAPHICS PRINTING CO NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 34895 GROSBECK HIGHWAY CLINTON TOWNSHIP, MI 48035 | $13K |
| JP MORGAN CHASE BANK NONE | Direct payment from the plan; Other services; Account maintenance fees Service code 49 | PO BOX 659754 SAN ANTONIO, TX 78265 | $11K |
| MAIL FINANCE NONE | Direct payment from the plan; Other services Service code 49 | 1335 VALWOOD PARKWAY CARROLLTON, TX 75006 | $10K |
| MORGAN STANLEY NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | 220 PARK STREET, STE 220 BIRMINGHAM, MI 48009 | $10K |
| THE SEGAL COMPANY EIN 13-1975125 NONE | Direct payment from the plan; 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 | 1,089 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 400 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,489 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN MEDICARE ADVANTAGE | 132 | $694K |
| Dental | GOLDEN DENTAL PLAN | 725 | $108K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN MEDICARE ADVANTAGE | 132 | $694K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COPANY | 967 | $338K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 967 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.