| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COSTAFF BENEFIT SERVICES INC3 | 29100 NORTHWESTERN HWY SOUTHFIELD, MI 48334 | ALLIANCE HEALTH & LIFE INSURANCE CO | $44K | — | $44K | 3.52% |
| MACQUEEN & ASSOCIATES LLC3 Filed as: MACQUEEN ASSOCIATES | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | ALLIANCE HEALTH & LIFE INSURANCE CO | $59 | — | $59 | 0.00% |
| COSTAFF BENEFIT SERVICES INC3 | 29100 NORTHWESTERN HWY SOUTHFIELD, MI 48334 | HEALTH ALLIANCE PLAN | $3K | — | $3K | 0.55% |
| MACQUEEN INSURANCE GROUP3 Filed as: MACQUEEN ASSOICATES LLC | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | HEALTH ALLIANCE PLAN | $16 | — | $16 | 0.00% |
| COSTAFF BENEFIT SERVICES INC3 Filed as: COSTAFF BENEFIT SERVICES | 29100 NORTHWESTERN HWY SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 12.07% |
| MACQUEEN & ASSOCIATES LLC3 Filed as: MACQUEEN & ASSOCIATES | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $400 | — | $400 | 0.31% |
| MICHAEL R BULGARELLI3 Filed as: MICHAEL BULGARELLI | 907 MARYWOOD DRIVE ROYAL OAK, MI 48067 | GUARDIAN LIFE INSURANCE COMPANY | $5K | — | $5K | 4.08% |
| COSTAFF BENEFIT SERVICES INC3 Filed as: COSTAFF BENEFIT SERVICES | 29100 NORTHWESTER HWY SOUTHFIELD, MI 48034 | GUARDIAN LIFE INSURANCE COMPANY | $644 | — | $644 | 0.50% |
| COSTAFF BENEFIT SERVICES INC3 Filed as: COSTAFF BENEFIT SERVICES | 29100 NORTHWESTERN HWY SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 13.86% |
| MACQUEEN & ASSOCIATES LLC3 Filed as: MACQUEEN & ASSOCIATES | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $407 | — | $407 | 1.14% |
| COSTAFF BENEFIT SERVICES INC3 | 29100 NORTHWESTERN HWY SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.44% |
| COSTAFF BENEFIT SERVICES INC3 Filed as: COSTAFF BENEFITS | 29100 NORTHWESTERN HWY SOUTHFIELD, MI 48034 | HERITAGE VISION PLANS INC | $2K | — | $2K | 10.00% |
| COSTAFF BENEFIT SERVICES INC3 Filed as: COSTAFF BENEFIT SERVICES | 29100 NORTHWESTERN HWY SOUTHFIELD, MI 48034 | PROVIDENT LIFE AND ACCIDENT INSRUANCE COMPANY | $3K | — | $3K | 18.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COSTAFF BENEFIT SERVICES INC BROKER | Insurance agents and brokers Service code 22 | 29100 NORTHWESTRN HWY SOUTHFIELD, MI 48334 | $0 |
| MACQUEEN ASSOCIATES LLC BROKER | Insurance agents and brokers Service code 22 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | $0 |
| MICHAEL BULGARELLI BROKER | Insurance agents and brokers Service code 22 | 907 MARYWOOD DRIVE ROYAL OAK, MI 48067 | $0 |
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 | 254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ALLIANCE HEALTH & LIFE INSURANCE CO | 262 | $1.8M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 188 | $129K |
| Vision | HERITAGE VISION PLANS INC | 154 | $21K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 254 | $183K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 254 | $157K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 254 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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."
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.