| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT MACQUEEN3 | 2191 12 MILE ROAD BERKLEY, MI 48072 | PRIORITY HEALTH | $52K | — | $52K | 3.75% |
| SCOTT MACQUEEN3 | 2191 12 MILE ROAD BERKLEY, MI 48072 | DELTA DENTAL OF MICHIGAN | $566 | $125 | $691 | 0.64% |
| SCOTT MACQUEEN3 | 2191 12 MILE ROAD BERKLEY, MI 48072 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 5.66% |
| MACQUEEN INSURANCE GROUP3 | 2191 12 MILE ROAD BERKLEY, MI 48072 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $1K | $7K | 12.68% |
| MACQUEEN INSURANCE GROUP3 | 2191 12 MILE ROAD BERKLEY, MI 48072 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $1K | $6K | 12.69% |
| MACQUEEN INSURANCE GROUP3 | 2191 12 MILE ROAD BERKLEY, MI 48072 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $587 | $3K | 12.69% |
| MACQUEEN INSURANCE GROUP3 | 2191 12 MILE ROAD BERKLEY, MI 48072 | HERITAGE VISION PLANS INC | $2K | — | $2K | 9.89% |
| SCOTT MACQUEEN3 | 2191 12 MILE ROAD BERKLEY, MI 48072 | DELTA DENTAL OF MICHIGAN | $813 | $19 | $832 | 5.09% |
| MACQUEEN INSURANCE GROUP3 | 2191 12 MILE ROAD BERKLEY, MI 48072 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $582 | $151 | $733 | 12.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MACQUEEN INSURANCE GROUP AGENT | Insurance agents and brokers Service code 22 | 2191 12 MILE ROAD BERKLEY, MI 48072 | $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 | 263 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 274 | $124K |
| Vision | HERITAGE VISION PLANS INC | 281 | $18K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 246 | $54K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 227 | $47K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 228 | $22K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 246 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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.