| 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 MEDICARE ADVANTAGE | $30K | — | $30K | 3.09% |
| MICHAEL C WALKER3 Filed as: MICHAEL G. BUCK | 38233 MOUND ROAD, BLDG F STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $33K | — | $33K | 3.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE | Direct payment from the plan; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Insurance services; Float revenue; Contract Administrator Service code 13 | — | $897K |
| BENESYS INC EIN 38-2383171 NONE | Direct payment from the plan; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing) Service code 10 | — | $300K |
| NOVARA TESIJA PLLC EIN 38-2823147 NONE | Direct payment from the plan; Legal Service code 29 | — | $172K |
| STACY LOVELACE NONE | Direct payment from the plan; Employee (plan) Service code 30 | 700 TOWER DRIVE, STE 215 TROY, MI 48098 | $114K |
| CALL A DOCTOR PLUS NONE | Direct payment from the plan; Consulting (general) Service code 16 | PO BOX 361 CANTON, MI 48071 | $87K |
| LAURA SCOTT NONE | Direct payment from the plan; Employee (plan) Service code 30 | 700 TOWER DRIVE, STE 215 TROY, MI 48098 | $79K |
| AMERICAN GRAPHICS NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 34895 GROESBECK HWY CLINTON TOWNSHIP, MI 48035 | $64K |
| BRENDA O'MALLEY NONE | Direct payment from the plan; Employee (plan) Service code 30 | 700 TOWER DRIVE, STE 215 TROY, MI 48098 | $59K |
| HEATHER LIGGETT NONE | Employee (plan); Direct payment from the plan Service code 30 | 700 TOWER DRIVE, STE 215 TROY, MI 48098 | $58K |
| JOCELYN PHILLIPS NONE | Direct payment from the plan; Employee (plan) Service code 30 | 700 TOWER DRIVE, STE 215 TROY, MI 48098 | $51K |
| SALUS GROUP NONE | Direct payment from the plan; Consulting (general) Service code 16 | 38233 MOUND ROAD, BLDG F STERING HEIGHTS, MI 48310 | $49K |
| ROWLA YOUSIF NONE | Direct payment from the plan; Employee (plan) Service code 30 | 700 TOWER DRIVE, STE 215 TROY, MI 48098 | $41K |
| QUADIENT FINANCE USA INC EIN 38-2284921 NONE | Other services; Direct payment from the plan Service code 49 | — | $33K |
| BENDA, GRACE, STULZ & CO, PC EIN 38-2284921 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $26K |
| STEFANSKY, HALLOWAY, NICHOLS, INC EIN 38-2388845 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $24K |
| MORGAN STANLEY NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | 220 PARK STREET BIRMINGHAM, MI 48009 | $13K |
| WATKINS, PAWLICK, CALATI & PRIFTI NONE | Direct payment from the plan; Legal Service code 29 | 1423 E 12 MILE ROAD, MADISON HEIGHTS, MI 48071 | $12K |
| ALEX SCOTT NONE | Direct payment from the plan; Employee (plan) Service code 30 | 700 TOWER DRIVE, STE 215 TROY, MI 48098 | $8K |
| 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 | 1,544 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 481 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,025 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN MEDICARE ADVANTAGE | 324 | $982K |
| Dental | GOLDEN DENTAL PLAN | 320 | $140K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN MEDICARE ADVANTAGE | 324 | $982K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 4,125 | $897K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,125 | — |
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.