| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TMR & ASSOCIATES3 Filed as: TMR & ASSOCIATES INC | 601 ABBOTT DETROIT, MI 482262513 | HUMANA | $25K | — | $25K | 1.36% |
| BENESYS INC3 | 700 TOWER DR. SUITE #300 TROY, MI 480982835 | HUMANA | $25K | — | $25K | 1.36% |
| THE PARTNERS GROUP3 Filed as: TPG GROUP | 25 SEIR HILL ROAD NORWALK, CT 06850 | HUMANA | $33 | — | $33 | 0.00% |
| 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 | $2K | $14K | 15.54% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH BENEFIT SOLUTIONS LLC | — | THE GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZELIS HEALTHCARE NONE | Insurance agents and brokers; Other commissions; Direct payment from the plan; Consulting fees Service code 22 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | $418K |
| BENESYS INC EIN 38-6058023 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Copying and duplicating; Accounting (including auditing); Direct payment from the plan; Other services; Contract Administrator; Claims processing Service code 10 | — | $287K |
| ALLIANCE HEALTH AND LIFE NONE | Insurance agents and brokers; Direct payment from the plan; Consulting fees; Other commissions Service code 22 | 3031 W. GRAND BLVD SUITE # 110 DETROIT, MI 48202 | $183K |
| ASHER KELLEY EIN 84-3379113 NONE | Legal; Direct payment from the plan Service code 29 | — | $85K |
| MORGAN STANLEY EIN 20-8764829 NONE | Other services; Custodial (securities); Investment advisory (plan); Direct payment from the plan Service code 19 | — | $80K |
| AMERICAN HEALTH HOLDING NONE | Insurance agents and brokers; Direct payment from the plan; Other commissions; Consulting fees Service code 22 | 921 EASTWOOD DRIVE SUITE #104 WESTERVILLE, OH 43081 | $79K |
| MILLMAN MONITOR NONE | Other services; Claims processing; Consulting (general); Direct payment from the plan Service code 12 | 71 SOUTH WAKER CHICAGO, IL 60606 | $30K |
| WRUBEL WESLEY AND COMPANY C.P.A.'S EIN 38-2574238 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $28K |
| IRON MOUNTAIN NONE | Other services; Direct payment from the plan Service code 49 | 1500 E. WHITCOMB MADISON HEIGHTS, MI 48071 | $25K |
| VSP VISION CARE EIN 06-1227840 NONE | Insurance services; Claims processing; Direct payment from the plan Service code 12 | — | $16K |
| DENTE MAX LLC NONE | Investment advisory (plan); Investment management; Direct payment from the plan Service code 27 | 25925 TELEGRAPH SOUTHFIELD, MI 48033 | $14K |
| WEDGE CAPITAL NONE | Investment advisory (plan); Direct payment from the plan; Investment management Service code 27 | 301 S. COLLEGE CHARLOTTE, NC 28202 | $13K |
| ENCOMPASS NONE | Insurance agents and brokers; Other commissions; Consulting fees; Direct payment from the plan Service code 22 | P.O. BOX 1187 WILKES-BARRE, PA 18703 | $11K |
| AMERICAN GRAPHICS PRINTING NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 34895 GROESBECK CLINTON TOWNSHIP, MI 48035 | $8K |
| O'SULLIVAN ACCOCIATES 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 | 626 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 407 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,033 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA | 446 | $1.9M |
| Dental | DENCAP DENTAL PLANS INC. | 515 | $131K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 981 | $92K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 790 | $645K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY | 981 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 981 | — |
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.