| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TMR & ASSOCIATES3 Filed as: TMR & ASSOCIATES INC | 601 ABBOTT DETROIT, MI 482262513 | HUMANA | $28K | — | $28K | 1.72% |
| BENESYS INC3 | 700 TOWER DR. SUITE #300 TROY, MI 480982835 | HUMANA | $28K | — | $28K | 1.72% |
| MACQUEEN & ASSOCIATES LLC3 Filed as: MACQUEEN AND ASSOCIATES LLC | 2191 12 MILE ROAD BERKLEY, MI 48072 | THE UNION LABOR LIFE INSURANCE COMPANY | $44K | — | $44K | 10.50% |
| MACQUEEN & ASSOCIATES LLC3 Filed as: MACQUEEN AND ASSOCIATES LLC | — | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $2K | $10K | 13.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS INC. EIN 38-6058023 NONE | Contract Administrator; Direct payment from the plan; Claims processing; Other services; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Copying and duplicating Service code 12 | — | $235K |
| ZELIS HEALTHCARE NONE | Insurance agents and brokers; Consulting fees; Direct payment from the plan; Other commissions Service code 22 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | $60K |
| SULLIVAN WARD ASHER & PATON P.C. EIN 38-1880608 NONE | Legal; Direct payment from the plan Service code 29 | — | $54K |
| MORGAN STANLEY EIN 20-8764829 NONE | Custodial (securities); Other services; Other investment fees and expenses; Investment advisory (plan); Securities brokerage commissions and fees; Direct payment from the plan; Other fees; Securities brokerage Service code 19 | — | $30K |
| COMERICA BANK EIN 38-1998421 NONE | Direct payment from the plan; Account maintenance fees Service code 50 | — | $28K |
| HEALTH DESIGN ENTERPRISES LLC EIN 38-3607439 NONE | Other services; Direct payment from the plan; Consulting (general) Service code 16 | — | $27K |
| AMERICAN MEDICAL EIN 38-3022674 NONE | Claims processing; Direct payment from the plan; Insurance services Service code 12 | — | $26K |
| WRUBEL WESLEY AND COMPANY C.P.A.'S EIN 38-2574238 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $25K |
| NEW ALTERNATIVES NONE | Direct payment from the plan; Insurance services Service code 23 | 28800 VAN DYKE WARREN, MI 48093 | $14K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Claims processing; Other fees; Direct payment from the plan Service code 12 | — | $14K |
| DENTE MAX LLC NONE | Direct payment from the plan; Consulting (general); Other services Service code 16 | 25925 TELEGRAPH SOUTHFIELD, MI 48033 | $13K |
| AMERICAN GRAPHICS PRINTING NONE | Direct payment from the plan; Copying and duplicating; Other services Service code 36 | 34895 GROESBECK CLINTON TOWNSHIP, MI 48035 | $10K |
| ENVISION PHARMACEUTICAL EIN 05-0570786 NONE | Other services; Consulting (general); Direct payment from the plan; Claims processing Service code 12 | — | $6K |
| O'SULLIVAN ASSOCIATES NONE | Direct payment from the plan; Actuarial 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 | 582 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 348 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 930 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA | 365 | $1.6M |
| Dental | GOLDEN DENTAL PLANS INC. | 590 | $134K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,625 | $76K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 735 | $415K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,625 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,822 | — |
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."
No prospect flags tripped on this filing.