| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR HEALTH BENEFITS3 Filed as: ASR CORPORATION | 618 KENMOOR AVE SE SUITE 200 GRAND RAPIDS, MI 49546 | COMPANION LIFE | $37K | — | $37K | 14.00% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 5.03% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | RELIANCE STANDARD | $6K | $1K | $7K | 12.50% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD SCOTTSDALE, AZ 85255 | RELIANCE STANDARD | $2K | — | $2K | 4.16% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | RELIANCE STANDARD | $4K | $1K | $5K | 12.50% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD SUITE 405 SCOTTSDALE, AZ 85255 | RELIANCE STANDARD | $2K | $0 | $2K | 4.32% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | RELIANCE STANDARD | $2K | $395 | $2K | 12.50% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD SCOTTSDALE, AZ 85255 | RELIANCE STANDARD | $669 | — | $669 | 4.23% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | DELTA DENTAL OF MICHIGAN | — | $31 | $31 | 0.21% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | RELIANCE STANDARD | $514 | $128 | $642 | 12.47% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD SCOTTSDALE, AZ 85255 | RELIANCE STANDARD | $206 | — | $206 | 4.00% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | HERITAGE VISION PLANS INC | $1K | — | $1K | — |
| MACQUEEN & ASSOCIATES LLC3 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | PROCARE RX | $0 | $11K | $11K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASR CORPORATION EIN 38-2651185 THIRD PARTY ADMIN | Contract Administrator Service code 13 | 618 KENMOOR AVE SE SUITE 200 GRAND RAPIDS, MI 49546 | $112K |
| EHIM EIN 58-2422694 PHARMACY MANAGEMENT | Contract Administrator Service code 13 | 26711 NORTHWESTERN HWY SUITE 50 SOUTHFIELD, MI 48033 | $11K |
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 | 136 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE | 136 | $266K |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 188 | $84K |
| Vision | HERITAGE VISION PLANS INC | 122 | $0 |
| Life insurance(2 contracts) | RELIANCE STANDARD | 187 | $63K |
| Short-term disability | RELIANCE STANDARD | 182 | $40K |
| Long-term disability | RELIANCE STANDARD | 182 | $16K |
| Prescription drug | PROCARE RX | 135 | $0 |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE | 136 | $266K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.