| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TMR & ASSOCIATES3 Filed as: TMR & ASSOCIATES INC | 601 ABBOTT DETROIT, MI 482262513 | HUMANA | $24K | — | $24K | 1.35% |
| BENESYS INC3 | 700 TOWER DR. SUITE #300 TROY, MI 480982835 | HUMANA | $24K | — | $24K | 1.35% |
| MACQUEEN & ASSOCIATES LLC3 Filed as: MACQUEEN AND ASSOCIATES LLC | 2191 12 MILE ROAD BERKLEY, MI 48072 | THE UNION LABOR LIFE INSURANCE COMPANY | $46K | — | $46K | 8.50% |
| MACQUEEN & ASSOCIATES LLC3 Filed as: MACQUEEN AND ASSOCIATES LLC | — | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 9.94% |
| MACQUEEN & ASSOCIATES LLC3 Filed as: MACQUEEN AND ASSOCIATES LLC | — | THE GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 13.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZELIS HEALTHCARE NONE | Insurance agents and brokers; Consulting fees; Other commissions; Direct payment from the plan Service code 22 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | $578K |
| BENESYS INC EIN 38-6058023 NONE | Claims processing; Copying and duplicating; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing); Direct payment from the plan; Other services Service code 10 | — | $275K |
| ASHER, KELLEY EIN 84-3379113 NONE | Legal; Direct payment from the plan Service code 29 | — | $134K |
| MORGAN STANLEY EIN 20-8764829 NONE | Investment advisory (plan); Direct payment from the plan; Custodial (securities); Other services Service code 19 | — | $77K |
| PHARMACY INVESIGATORS EIN 38-3607439 NONE | Other services; Direct payment from the plan Service code 49 | — | $30K |
| HEALTH DESIGN ENTERPRISES LLC EIN 38-2574238 NONE | Direct payment from the plan; Other services; Consulting (general) Service code 16 | — | $30K |
| WRUBEL WESLEY AND COMPANY C.P.A.'S EIN 38-2574238 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $29K |
| COMERICA BANK EIN 38-1998421 NONE | Account maintenance fees; Direct payment from the plan Service code 50 | — | $28K |
| ENCOMPASS NONE | Other commissions; Consulting fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | P.O.BOX 1187 WILKES-BARRE, PA 18703 | $21K |
| AMERICAN GRAPHICS PRINTING NONE | Copying and duplicating; Direct payment from the plan Service code 36 | 34895 GROESBECK CLINTON TOWNSHIP, MI 48035 | $16K |
| DENTE MAX LLC NONE | Other services; Direct payment from the plan; Consulting (general); Insurance services Service code 16 | 25925 TELEGRAPH SOUTHFIELD, MI 48033 | $15K |
| MILLIMAN MONITOR RX NONE | Direct payment from the plan; Consulting (general); Claims processing; Other services Service code 12 | 71 SOUTH WACKER CHICAGO, IL 60606 | $13K |
| O'SULLIVAN ASSOCIATES NONE | Direct payment from the plan; Actuarial Service code 11 | 1236 BRACE ROAD UNIT E CHERRY HILL, NJ 08034 | $9K |
| COLEMAN AND COMPANY LLC NONE | Other services; Direct payment from the plan Service code 49 | 2725 ENDSLEIGH BLOOMFIELD HILLS, MI 48301 | $8K |
| GARCIA HAMILTON AND ASSOCIATES NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | 1401 MCKINNEY #1600 HOUSTON, TX 77010 | $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 | 623 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 416 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,039 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA | 410 | $1.8M |
| Dental(2 contracts, 2 carriers) | DENCAP DENTAL PLANS INC. | 241 | $118K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,691 | $106K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 776 | $545K |
| Other(3 contracts, 3 carriers) | HAP PREFERRED INC. | 1,945 | $277K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,945 | — |
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.