| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MACQUEEN INSURANCE GROUP3 Filed as: MACQUEEN & ASSOC LLC | 2191 TWELVE MILE RD BERKLEY, MI 48072 | HARTFORD LIFE AND ACCIDENT | $11K | — | $11K | 25.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE KNOWN | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Insurance services; Float revenue; Claims processing; Direct payment from the plan; Other fees Service code 12 | — | $254K |
| BENESYS, INC. EIN 38-2383171 NONE KNOWN | Direct payment from the plan; Claims processing; Plan Administrator; Other services; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $217K |
| PLANTE & MORAN, PLLC EIN 38-1357951 NONE KNOWN | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $87K |
| FINKEL WHITEFIELD SELIK EIN 38-2529039 NONE KNOWN | Legal; Direct payment from the plan Service code 29 | — | $21K |
| STEFANSKY, HOLLOWAY, & NICHOLS, INC NONE KNOWN | Direct payment from the plan; Accounting (including auditing) Service code 10 | 22260 HAGGERTY ROAD SUITE 350 NORTHVILLE, MI 48167 | $8K |
| UNITED ACTUARIAL SERVICES, INC. EIN 35-2156428 NONE KNOWN | Actuarial; Direct payment from the plan Service code 11 | — | $8K |
| CVS PHARMACY, INC. EIN 05-0340626 NONE KNOWN | Claims processing; Direct payment from the plan Service code 12 | — | $7K |
| COMERICA BANK EIN 42-1741646 NONE KNOWN | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan; Other services Service code 21 | — | $7K |
| NEPC, LLC EIN 26-1429809 NONE KNOWN | Direct payment from the plan; Consulting (pension) Service code 17 | — | $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 | 619 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 109 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 748 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 113 | $1.2M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 256 | $41K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 256 | $41K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 682 | $308K |
| Other(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 310 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 682 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.