| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENESYS INC3 | — | HUMANA | $38K | — | $38K | 2.22% |
| TMR & ASSOCIATES3 Filed as: TMR & ASSOCIATES INC | — | HUMANA | $19K | — | $19K | 1.11% |
| MACQUEEN & ASSOCIATES LLC3 Filed as: MACQUEEN AND ASSOCIATES LLC | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | THE UNION LABOR LIFE INSURANCE COMPANY | $30K | — | $30K | 10.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS INC. EIN 38-6058023 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $207K |
| SULLIVAN,WARD,ASHER & PATTON P.C. EIN 38-1880608 NONE | Legal; Direct payment from the plan Service code 29 | — | $71K |
| ENVISION PHARMACEUTICAL EIN 05-0570786 NONE | Consulting (general); Other services; Direct payment from the plan Service code 16 | — | $34K |
| PREMIER HEALTHCARE EXCHANGE NONE | Other services; Consulting (general); Direct payment from the plan Service code 16 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | $31K |
| HEALTH DESIGN ENTERPRISES LLC EIN 38-3607439 NONE | Direct payment from the plan; Consulting (general); Other services Service code 16 | — | $23K |
| WRUBEL, WESLEY & COMPANY C.P.A.'S EIN 38-2574238 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $20K |
| NEW ALTERNATIVES NONE | Other services; Consulting (general); Direct payment from the plan Service code 16 | 26120 VAN DYKE CENTERLINE, MI 48015 | $16K |
| MORGAN STANLEY NONE | Investment management; Investment advisory (plan); Direct payment from the plan Service code 27 | P.O.BOX 5092 NEW YORK, NY 102745092 | $15K |
| DENTEMAX LLC NONE | Other services; Direct payment from the plan; Consulting (general) Service code 16 | 25925 TELEGRAPH SOUTHFIELD, MI 48033 | $12K |
| O'SULLIVAN ASSOCIA NONE | Direct payment from the plan; Actuarial Service code 11 | 1236 BRACE ROAD UNIT E CHERRY HILL, NJ 08034 | $6K |
| MACQUEEN AND ASSOCIATES LLC NONE | Other commissions; Insurance agents and brokers; Direct payment from the plan Service code 22 | 2191 12 MILE ROAD BERKLEY, MI 480721825 | $4K |
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 | 522 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 326 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 848 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA | 350 | $1.7M |
| Dental | GOLDEN DENTAL PLANS INC. | 185 | $103K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 853 | $41K |
| Prescription drug | HUMANA | 350 | $1.7M |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 656 | $291K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 853 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,624 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.