| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MACQUEEN & ASSOCIATES LLC Filed as: MACQUEEN & ASSOCIATES, LLC | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | UNION LABOR LIFE INS CO | $15K | — | $15K | 2.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGMA HEALTHCARE EIN 06-0303370 NONE | Other services; Non-monetary compensation; Claims processing; Participant communication; Direct payment from the plan; Contract Administrator; Float revenue Service code 12 | 11095 VIKING DRIVE, SUITE 350 EDEN PRAIRIE, MN 55344 | $243K |
| BENESYS, INC. EIN 38-2383171 NONE | Plan Administrator Service code 14 | 700 TOWER DR SUITE 300 TROY, MI 48098 | $192K |
| NOVARA TESIJA ETAL EIN 38-2823147 NONE | Legal Service code 29 | 888 WEST BIG BEAVER ROAD SUITE 600 TROY, MI 48084 | $131K |
| RAEL & LETSON INC EIN 94-1701048 NONE | Consulting (general) Service code 16 | DEPT LA 24736 PASADENA, CA 911854736 | $45K |
| ZAKERSKI & COMPANY EIN 38-3257894 NONE | Accounting (including auditing) Service code 10 | 24607 W. WARREN AVENUE DEARBORN HEIGHTS, MI 48127 | $18K |
| STEFANSKY HOLLOWAY & NICHOLS EIN 38-2388845 NONE | Accounting (including auditing) Service code 10 | 22260 HAGGERTY RD SUITE 350 NORTHVILLE, MI 48167 | $11K |
| THE SEGAL COMPANY, INC. EIN 13-1975125 NONE | Actuarial Service code 11 | 3001 WEST BIG BEAVER ROAD SUITE 320 TROY, MI 48084 | $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 | 571 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 571 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 1,264 | $461K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 609 | $127K |
| Stop-loss / reinsurancereinsurance | UNION LABOR LIFE INS CO | 626 | $604K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 609 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,264 | — |
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.