No insurance carriers on this filing. Self-funded welfare plans typically pay TPAs and PBMs through Schedule C, not Schedule A.
No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TOM JARANOWSKI NONE | Direct payment from the plan; Employee (plan) Service code 30 | 22724 SUNNYSIDE SAINT CLAIR SHORES, MI 48080 | $103K |
| DEAN KUCHARSKI NONE | Other services; Direct payment from the plan Service code 49 | 60 WEST NEW YORK PONTIAC, MI 48340 | $98K |
| BENESYS EIN 38-6058023 NONE | Participant communication; Direct payment from the plan; Copying and duplicating; Contract Administrator Service code 13 | — | $21K |
| CITY OF OAK PARK NONE | Other services; Direct payment from the plan Service code 49 | 14000 OAK PARK BLVD OAK PARK, MI 48237 | $12K |
| TYLER SLOAT NONE | Other services; Direct payment from the plan Service code 49 | 11317 HARVEY COURT STERLING HEIGHTS, MI 48314 | $11K |
| MORGAN STANLEY NONE | Direct payment from the plan; Other investment fees and expenses; Custodial (securities); Consulting (general); Investment advisory (plan); Securities brokerage commissions and fees Service code 16 | 1585 BROADWAY AVENUE NEW YORK, NY 10036 | $10K |
| ASHER KELLY NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | 25800 NORTHWESTERN HIGHWAY SOUTHFIELD, MI 48075 | $9K |
| JOSEPH ZSEMBERY NONE | Other services; Direct payment from the plan Service code 49 | 29511 NEWPORT DRIVE WARREN, MI 48088 | $9K |
| IMAGE POINTE NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | 1224 LAPORTE ROAD WATERLOO, IA 50702 | $7K |
| INTERNATIONAL BANQUET CENTER NONE | Direct payment from the plan; Other services Service code 49 | 1000 BRUSH STREET DETROIT, MI 48226 | $7K |
| JOHNATHON GUMM NONE | Other services; Direct payment from the plan Service code 49 | 26098 LAMAR STREET HARRISON TWP, MI 48045 | $7K |
| WRUBEL, WESLEY & CO CPAS EIN 38-2574238 NONE | Other services; Direct payment from the plan Service code 49 | — | $7K |
| NATIONAL LADDER & SCAFFOLD CO NONE | Direct payment from the plan; Other services Service code 49 | 29350 JOHN R ROAD MADISON HEIGHTS, MI 48071 | $6K |
| CONSUMERS ENERGY NONE | Direct payment from the plan; Other services Service code 49 | 4600 COOLIDGE HWY ROYAL OAK, MI 48073 | $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 | 167 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
No Schedule A insurance contracts on this filing — typical of fully self-funded plans, where the only headcount is the Form 5500 number above.
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.