| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL C WALKER3 Filed as: MICHAEL G. BUCK | 38233 MOUND ROAD, BLDG F STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $25K | — | $25K | 3.62% |
| MICHAEL C WALKER3 Filed as: MICHAEL G BUCK | 38233 MOUND ROAD, BLDG F STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN MEDICARE ADVANTAGE | $12K | — | $12K | 2.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Insurance services; Consulting (general); Float revenue; Other fees Service code 13 | — | $896K |
| BENESYS INC EIN 38-2383171 NONE | Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Contract Administrator Service code 10 | — | $290K |
| NOVARA TESIJA PLLC EIN 38-2823147 NONE | Legal; Direct payment from the plan Service code 29 | — | $127K |
| WATKINS,PAWLICK,CALATI & PRIFTI PC NONE | Legal; Direct payment from the plan Service code 29 | 1423 EAST 12 MILE ROAD MADISON HEIGHTS, MI 48071 | $81K |
| LAURA SCOTT NONE | Direct payment from the plan; Employee (plan) Service code 30 | 700 TOWER DRIVE, STE 215 TROY, MI 48098 | $78K |
| SALUS GROUP NONE | Consulting (general); Direct payment from the plan Service code 16 | 38233 MOUND ROAD, BLDG F STERLING HEIGHTS, MI 48310 | $59K |
| BRENDA O'MALLEY NONE | Employee (plan); Direct payment from the plan Service code 30 | 700 TOWER DRIVE, STE 215 TROY, MI 48098 | $57K |
| HEATHER LIGGETT NONE | Employee (plan); Direct payment from the plan Service code 30 | 700 TOWER DRIVE, STE 215 TROY, MI 48098 | $56K |
| CALL A DOCTOR PLUS NONE | Direct payment from the plan; Consulting (general) Service code 16 | PO BOX 361 CANTON, CT 06019 | $54K |
| STACY LOVELACE NONE | Direct payment from the plan Service code 50 | 700 TOWER DRIVE, STE 215 TROY, MI 48098 | $52K |
| CHRISTINA BLANKENSHIP NONE | Employee (plan); Direct payment from the plan Service code 30 | 700 TOWER DRIVE, STE 215 TROY, MI 48098 | $52K |
| ROWLA YOUSIF NONE | Employee (plan); Direct payment from the plan Service code 30 | 700 TOWER DRIVE, STE 215 TROY, MI 48098 | $49K |
| JOCELYN PHILLIPS NONE | Direct payment from the plan; Employee (plan) Service code 30 | 700 TOWER DRIVE, STE 215 TROY, MI 48098 | $49K |
| BENDA, GRACE, STULZ & CO, PC EIN 38-2284921 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $26K |
| STEFANSKY, HOLLOWAY, NICHOLS, INC EIN 38-2388845 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $24K |
| AMERICAN GRAPHICS NONE | Copying and duplicating; Direct payment from the plan Service code 36 | 34895 GROESBECK HWY CLINTON TOWNSHIP, MI 48035 | $22K |
| QUADIENT FINANCE USA, INC NONE | Direct payment from the plan; Other services Service code 49 | PO BOX 6813 CAROL STREAM, IL 601976813 | $14K |
| MORGAN STANLEY NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | 220 PARK STREET, STE 220 BIRMINGHAM, MI 48009 | $10K |
| JP MORGAN CHASE NONE | Direct payment from the plan; Other services; Account maintenance fees Service code 49 | PO BOX 659754 SAN ANTONIO, TX 78265 | $10K |
| THE SEGAL GROUP 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 | 1,513 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 491 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,004 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN MEDICARE ADVANTAGE | 118 | $578K |
| Dental | GOLDEN DENTAL PLAN | 1,010 | $132K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN MEDICARE ADVANTAGE | 118 | $578K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,753 | $684K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,753 | — |
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.