| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENESYS INC5 Filed as: BENESYS, INC. | 700 TOWER DRIVE, SUITE 300 TROY, MI 48098 | HUMANA INSURANCE COMPANY | $136K | — | $136K | 3.71% |
| BENEFITS PARTNER LLC3 | 38233 MOUND RD BLDG F STERLING HEIGHTS, MI 48310 | HUMANA INSURANCE COMPANY | $136K | — | $136K | 3.70% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY ARIZONA INC | 1230 W WASHINGTON ST 501 TEMPE, AZ 85281 | HUMANA INSURANCE COMPANY | $242 | — | $242 | 0.01% |
| LABOR FIRST LLC3 Filed as: LABOR-FIRST LLC | 1000 MIDATLANTIC DR MOUNT LAUREL, NJ 08054 | HUMANA INSURANCE COMPANY | $238 | — | $238 | 0.01% |
| UPSTATE FINANCIAL SERVICES3 | 2105 W GENESEE ST STE 115 SYRACUSE, NY 13219 | HUMANA INSURANCE COMPANY | $192 | — | $192 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN DEALER SERVICES INC | 13101 MAGISTERIAL DR STE 200 LOUISVILLE, KY 40223 | HUMANA INSURANCE COMPANY | $108 | — | $108 | 0.00% |
| INNOVATIVE BENEFIT SOLUTIONS3 Filed as: INNOVATIVE BENEFIT SOLUTIONS INC | 11057 N TOWNE SQUIARE RD MEQUON, WI 53092 | HUMANA INSURANCE COMPANY | $83 | — | $83 | 0.00% |
| BENESYS INC5 Filed as: BENESYS, INC. | 700 TOWER DRIVE, SUITE 300 TROY, MI 48098 | HUMANA INSURANCE COMPANY OF NEW YORK | $142 | — | $142 | 3.81% |
| BENEFITS PARTNER LLC3 | 38233 MOUND RD BLDG F STERLING HEIGHTS, MI 48310 | HUMANA INSURANCE COMPANY OF NEW YORK | $142 | — | $142 | 3.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS, INC. EIN 38-2383171 NONE | Consulting (general); Plan Administrator; Contract Administrator; Copying and duplicating; Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Claims processing Service code 10 | 700 TOWER DR, SUITE 300 TROY, MI 48098 | $1.6M |
| AMERICAN GRAPHICS PRINTING CO. EIN 38-2090931 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | 34895 GROESBECK HWY CLINTON TOWNSHIP, MI 48035 | $176K |
| NOVARA, TESIJA & CATENACCI, PLLC EIN 38-3763096 NONE | Direct payment from the plan; Legal Service code 29 | 888 W BIG BEAVER RD 600 TROY, MI 48084 | $174K |
| CARPENTERS FRINGE BENEFIT FUNDS JDC EIN 38-3345174 COLLECTION PROGRAM | Direct payment from the plan; Other services Service code 49 | 22260 HAGGERTY RD STE 350 NORTHVILLE, MI 48167 | $171K |
| ULLIANCE, INC. NONE | Other services; Direct payment from the plan Service code 49 | 900 TOWER DRIVE, STE 600 866-648-8326 TROY, MI 48098 | $126K |
| BOYD WATTERSON ASSET MANAGEMENT LLC EIN 34-1922005 NONE | Investment advisory (plan); Real estate brokerage; Named fiduciary; Direct payment from the plan; Investment management; Valuation (appraisals, etc.); Investment management fees paid directly by plan Service code 27 | 1301 E 9TH ST STE 2900 CLEVELAND, OH 44114 | $87K |
| MORGAN STANLEY GLOBAL BANKING EIN 13-2919773 NONE | Named fiduciary; Investment management fees paid directly by plan; Custodial (securities); Securities brokerage; Recordkeeping and information management (computing, tabulating, data processing, etc.); Trustee (bank, trust company, or similar financial institution); Direct payment from the plan; Custodial (other than securities); Investment management; Investment advisory (plan) Service code 15 | 101 W.BIG BEAVER RD S1200 TROY, MI 48084 | $72K |
| SALUS GROUP NONE | Direct payment from the plan; Consulting (general) Service code 16 | 38233 MOUND RD. BLDG F 586-264-0485 STERLING HEIGHTS, MI 48310 | $51K |
| BULTYNCK & CO., PLLC EIN 20-3920878 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 15985 CANAL ROAD CLINTON TOWNSHIP, MI 48038 | $50K |
| SEGAL SELECT INSURANCE SERVICES NONE | Direct payment from the plan; Insurance services; Insurance agents and brokers Service code 22 | 119 PERE MARQUETTE STE 1A LANSING, MI 48912 | $46K |
| THE SEGAL COMPANY EIN 13-1975125 NONE | Investment management fees paid directly by plan; Named fiduciary; Investment advisory (plan); Investment management; Direct payment from the plan; Custodial (securities); Securities brokerage Service code 19 | 333 WEST 34TH STREET NEW YORK, NY 10001 | $38K |
| NOVARA LAW GROUP EIN 38-3513474 NONE | Direct payment from the plan; Legal Service code 29 | 888 W BIG BEAVER RD 600 TROY, MI 48084 | $20K |
| UNITED ACTUARIAL SERVICES, INC. EIN 35-2156428 NONE | Direct payment from the plan; Actuarial Service code 11 | 11590 N MERIDIAN ST 610 CARMEL, IN 46032 | $18K |
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 | 6,618 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,526 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBS - INDEPENDENCE ADMINISTRATORS | 6,788 | $0 |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 13,081 | $3.2M |
| Vision | VISION SERVICE PLAN | 5,901 | $388K |
| Prescription drug(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 2,747 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,081 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.