| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENESYS INC3 | — | HUMANA | $37K | — | $37K | 2.31% |
| TMR & ASSOCIATES3 Filed as: TMR & ASSOCIATES INC | — | HUMANA | $1K | — | $1K | 0.09% |
| MACQUEEN & ASSOCIATES LLC3 Filed as: MACQUEEN AND ASSOCIATES LLC | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | THE UNION LABOR LIFE INSURANCE COMPANY | $37K | — | $37K | 10.50% |
| MACQUEEN & ASSOCIATES LLC3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS INC. EIN 38-6058023 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $210K |
| SULLIVAN,WARD,ASHER & PATTON P.C. EIN 38-1880608 NONE | Legal; Direct payment from the plan Service code 29 | — | $92K |
| ZELIS HEALTHCARE NONE | Direct payment from the plan; Other commissions; Insurance agents and brokers; Consulting fees Service code 22 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | $76K |
| AON CONSULTING NONE | Direct payment from the plan; Other services; Other fees; Consulting fees Service code 49 | 3000 TOWN CENTER #2800 SOUTHFIELD, MI 48075 | $42K |
| ENVISION PHARMACEUTICAL EIN 05-0570786 NONE | Consulting (general); Other services; Direct payment from the plan Service code 16 | — | $38K |
| HEALTH DESIGN ENTERPRISES LLC EIN 38-3607439 NONE | Direct payment from the plan; Other services; Consulting (general) Service code 16 | — | $30K |
| WRUBEL, WESLEY & COMPANY C.P.A.'S EIN 38-2574238 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $27K |
| PREMIER HEALTHCARE EXCHANGE NONE | Direct payment from the plan; Other fees Service code 50 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | $17K |
| MORGAN STANLEY NONE | Investment management; Investment advisory (plan); Direct payment from the plan Service code 27 | P.O.BOX 5092 NEW YORK, NY 102745092 | $14K |
| DENTEMAX LLC NONE | Other services; Consulting (general); Direct payment from the plan Service code 16 | 25925 TELEGRAPH SOUTHFIELD, MI 48033 | $12K |
| O'SULLIVAN ASSOCIA NONE | Actuarial; Direct payment from the plan Service code 11 | 1236 BRACE ROAD UNIT E CHERRY HILL, NJ 08034 | $6K |
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 | 589 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 324 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 913 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA | 350 | $1.6M |
| Dental | GOLDEN DENTAL PLANS INC. | 185 | $118K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,557 | $53K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 724 | $357K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,557 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,793 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.