| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT G. RUTH3 | 7276 SNOW APPLE DR. CLARKSTON, MI 483461648 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $77K | — | $77K | 1.62% |
| ROBERT G. RUTH3 Filed as: ROBERT RUTH | 7276 SNOW APPLE CLARKSTON, MI 48346 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 2.98% |
| ROBERT G. RUTH3 | 7276 SNOW APPLE DR. CLARKSTON, MI 483461648 | BLUE CARE NETWORK OF MICHIGAN | — | — | $0 | 0.00% |
| JANELLE M. RUTH3 | 4910 IROQUOIS BLVD. CLARKSTON, MI 48348 | NATIONAL VISION ADMINISTRATORS, LLC | $2K | — | $2K | 5.00% |
| MACQUEEN & ASSOCIATES LLC3 Filed as: MACQUEEN AND ASSOCIATES LLC | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS, INC. EIN 38-2383171 NONE | Copying and duplicating; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Accounting (including auditing); Claims processing; Plan Administrator; Direct payment from the plan Service code 10 | 700 TOWER DRIVE TROY, MI 48089 | $122K |
| LAURA LONDON EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 210 S NATIONAL HOWELL, MI 48843 | $36K |
| ROOFERS JOINT EDUCATION TRUST FUND EIN 16-6036596 NONE | Other services; Direct payment from the plan Service code 49 | 1660 L STREET NW WASHINGTON, DC 20036 | $35K |
| BULTYNCK & CO., PLLC EIN 20-3920878 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 15985 CANAL ROAD CLINTON TOWNSHIP, MI 48038 | $15K |
| MONROE & ASSOCIATES, INC. NONE | Direct payment from the plan; Actuarial Service code 11 | 25901 W 10 MILE STE 200 248-354-6220 SOUTHFIELD, MI 48033 | $12K |
| SEGAL SELECT INSURANCE SERVICES EIN 46-0619194 NONE | Direct payment from the plan; Insurance services; Insurance agents and brokers Service code 22 | 333 WEST 34TH STREET NEW YORK, NY 10001 | $11K |
| BENDA, GRACE, STULZ & CO EIN 38-2284921 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 38800 VAN DYKE STERLING HEIGHTS, MI 48312 | $9K |
| PNC BANK EIN 22-1146430 NONE | Direct payment from the plan; Other fees Service code 50 | 300 FIFTH AVENUE PITTSBURGH, PA 15222 | $8K |
| JAMES D. NAIDA, PC NONE | Direct payment from the plan; Legal Service code 29 | 32100 TELEGRAPH, STE 211 248-513-6175 BINGHAM FARMS, MI 48025 | $5K |
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 | 449 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 474 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 778 | $4.8M |
| Dental | DELTA DENTAL OF MICHIGAN | 796 | $246K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 814 | $45K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 271 | $25K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 778 | $4.8M |
| Other(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 271 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 814 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.