| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TMR & ASSOCIATES3 Filed as: TMR & ASSOCIATES INC | 601 ABBOTT DETROIT, MI 482262513 | HUMANA | $10K | — | $10K | 0.55% |
| BENESYS INC3 | 700 TOWER DR. SUITE #300 TROY, MI 480982835 | HUMANA | $10K | — | $10K | 0.55% |
| MACQUEEN & ASSOCIATES LLC3 Filed as: MACQUEEN AND ASSOCIATES LLC | 2191 12 MILE ROAD BERKLEY, MI 48072 | THE UNION LABOR LIFE INSURANCE COMPANY | $55K | — | $55K | 8.50% |
| MACQUEEN & ASSOCIATES LLC3 Filed as: MACQUEEN AND ASSOCIATES LLC | — | THE GUARDIAN LIFE INSURANCE COMPANY | $12K | $3K | $16K | 16.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZELIS HEALTHCARE NONE | Consulting fees; Insurance agents and brokers; Other commissions; Direct payment from the plan Service code 22 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | $423K |
| BENESYS INC EIN 38-6058023 NONE | Claims processing; Copying and duplicating; Accounting (including auditing); Other services; Contract Administrator; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | — | $296K |
| ALLIANCE HEALTH AND LIFE NONE | Insurance agents and brokers; Consulting fees; Direct payment from the plan; Other commissions Service code 22 | 3031 W. GRAND BLVD SUITE # 110 DETROIT, MI 48202 | $199K |
| AMERICAN HEALTH HOLDING NONE | Insurance agents and brokers; Other commissions; Direct payment from the plan; Consulting fees Service code 22 | 921 EASTWOOD DRIVE SUITE #104 WESTERVILLE, OH 43081 | $109K |
| ASHER KELLEY EIN 84-3379113 NONE | Legal; Direct payment from the plan Service code 29 | — | $107K |
| MORGAN STANLEY EIN 20-8764829 NONE | Direct payment from the plan; Other services; Custodial (securities); Investment advisory (plan) Service code 19 | — | $92K |
| MILLMAN MONITOR NONE | Other services; Direct payment from the plan; Claims processing; Consulting (general) Service code 12 | 71 SOUTH WACKER CHICAGO, IL 60606 | $33K |
| WRUBEL WESLEY AND COMPANY C.P.A.'S EIN 38-2574238 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $25K |
| IRON MOUNTAIN NONE | Other services; Direct payment from the plan Service code 49 | 1500 E. WHITCOMB MADISON HEIGHTS, MI 48071 | $22K |
| ENCOMPASS NONE | Consulting fees; Insurance agents and brokers; Direct payment from the plan; Other commissions Service code 22 | P.O.BOX 1187 WILKES-BARRE, PA 18703 | $20K |
| COMERICA BANK EIN 38-1998421 NONE | Direct payment from the plan; Account maintenance fees Service code 50 | — | $15K |
| DENTE MAX LLC NONE | Insurance services; Consulting (general); Other services; Direct payment from the plan Service code 16 | 25925 TELEGRAPH SOUTHFIELD, MI 48033 | $14K |
| AMERICAN GRAPHICS PRINTING NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 34895 GROESBECK CLINTON TOWNSHIP, MI 48035 | $9K |
| O'SULLIVAN ACCOCIATES NONE | Actuarial; Direct payment from the plan Service code 11 | 1236 BRACE ROAD UNIT E CHERRY HILL, NJ 08034 | $8K |
| GARCIA HAMILTON AND ACCOCIATES NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | 1401 MCKINNEY #1600 HOUSTON, TX 77010 | $8K |
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 | 674 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 405 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,079 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA | 426 | $1.9M |
| Dental | DENCAP DENTAL PLANS INC. | 535 | $128K |
| Vision | VSP VISION CARE | 1,187 | $67K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 1,029 | $96K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 790 | $645K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY | 1,029 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,187 | — |
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.