| 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 | 2.02% |
| MICHAEL C WALKER3 Filed as: MICHAEL G. BUCK | 38223 MOUND ROAD, BLDG F STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $13K | — | $13K | 3.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE | Claims processing; Other fees; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Direct payment from the plan; Contract Administrator; Insurance services Service code 12 | — | $407K |
| BENESYS INC EIN 38-2383171 NONE | Accounting (including auditing); Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 10 | — | $336K |
| LAURA SCOTT NONE | Employee (plan); Direct payment from the plan Service code 30 | 700 TOWER DRIVE, STE 220 TROY, MI 48098 | $77K |
| WATKINS,PAWLICK,CALATI & PRIFTI PC NONE | Legal; Direct payment from the plan Service code 29 | 1423 EAST 12 MILE ROAD MADISON HEIGHTS, MI 48071 | $58K |
| BRENDA O'MALLEY NONE | Employee (plan); Direct payment from the plan Service code 30 | 700 TOWER DRIVE, STE 220 TROY, MI 48098 | $58K |
| HEATHER LIGGETT NONE | Direct payment from the plan; Employee (plan) Service code 30 | 700 TOWER DRIVE, STE 220 TROY, MI 48098 | $57K |
| STACY LOVELACE NONE | Employee (plan); Direct payment from the plan Service code 30 | 700 TOWER DRIVE, STE 220 TROY, MI 48098 | $56K |
| NOVARA TESIJA PLLC EIN 38-2823147 NONE | Legal; Direct payment from the plan Service code 29 | — | $52K |
| CHRISTINA BLANKENSHIP NONE | Direct payment from the plan; Employee (plan) Service code 30 | 700 TOWER DRIVE, STE 220 TROY, MI 48098 | $50K |
| SALUS GROUP NONE | Consulting (general); Direct payment from the plan Service code 16 | 38233 MOUND ROAD, BLDG F STERLING HEIGHTS, MI 48310 | $49K |
| ROWLA YOUSIF NONE | Employee (plan); Direct payment from the plan Service code 30 | 700 TOWER DRIVE, STE 220 TROY, MI 48098 | $45K |
| JOCELYN PHILLIPS NONE | Employee (plan); Direct payment from the plan Service code 30 | 700 TOWER DRIVE, STE 220 TROY, MI 48098 | $44K |
| SAV-RX NONE | Direct payment from the plan; Claims processing Service code 12 | 224 NORTH PARK AVENUE FREMONT, NE 68025 | $37K |
| BENDA, GRACE, STULZ & COMPANY PC EIN 38-2284921 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $17K |
| STEFANSKY, HOLLOWAY, NICHOLS EIN 38-2388845 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $16K |
| MAIL FINANCE NONE | Other services; Direct payment from the plan 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 |
| AMERICAN GRAPHICS PRINTING CO NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 34895 GROSBECK HIGHWAY CLINTON TOWNSHIP, MI 48035 | $9K |
| COFINITY NONE | Claims processing; Direct payment from the plan Service code 12 | 28588 NORTHWESTERN HWY SOUTHFIELD, MI 48034 | $7K |
| ALICARE MEDICAL MANAGEMENT EIN 13-3860528 NONE | Other services; Direct payment from the plan Service code 49 | — | $6K |
| THE SEGAL COMPANY EIN 13-1975125 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $6K |
| JP MORGAN CHASE BANK NONE | Account maintenance fees; Other services; Direct payment from the plan Service code 49 | PO BOX 659754 SAN ANTONIO, TX 78265 | $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 | 899 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 362 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN MEDICARE ADVANTAGE | 124 | $611K |
| Dental | GOLDEN DENTAL PLAN | 844 | $107K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN MEDICARE ADVANTAGE | 124 | $611K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,004 | $374K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,004 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.