No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMERICA BANK EIN 42-1741646 | Trustee (bank, trust company, or similar financial institution); Custodial (securities) Service code 19 | 1717 MAIN STREET DALLAS, TX 75201 | $55K |
| NOVARA, TESIJA & CATENACCI PLLC EIN 38-3763096 | Legal Service code 29 | 888 W BIG BEAVER RD, SUITE 600 TROY, MI 48084 | $22K |
| MILLIMAN EIN 90-1675641 ACTUARY | Actuarial Service code 11 | 15800 W BLUEMOUND ROUND, SUITE 100 BROOKFIELD, WI 530056043 | $18K |
| MANER COSTERISAN, P.C. EIN 38-2157642 | Accounting (including auditing) Service code 10 | 2425 E GRAND RIVER AVE LANSING, MI 48912 | $12K |
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 | 532 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 968 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,500 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 737 | $6.3M |
| Dental | DELTA DENTAL PLAN OF MICHIGAN | 707 | $889K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 737 | $6.3M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 737 | $6.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 737 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.