| 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 | $250K | — | $250K | 6.03% |
| BENESYS INC3 Filed as: BENESYS, INC. | 700 TOWER DRIVE TROY, MI 48098 | DELTA DENTAL OF MICHIGAN | — | — | $0 | 0.00% |
| MACQUEEN & ASSOCIATES LLC3 Filed as: MACQUEEN AND ASSOCIATES, LLC | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | THE UNION LABOR LIFE INSURANCE COMPANY | $30K | — | $30K | 7.50% |
| BENESYS INC3 Filed as: BENESYS, INC. | 700 TOWER DRIVE TROY, MI 48098 | DELTA DENTAL OF MICHIGAN | — | — | $0 | 0.00% |
| BENESYS INC5 Filed as: BENESYS, INC. | 700 TOWER DRIVE, SUITE 300 TROY, MI 48098 | HUMANA HEALTH INSURANCE CO. OF FLORIDA, INC. | $3K | — | $3K | 3.43% |
| MACQUEEN & ASSOCIATES LLC3 Filed as: MACQUEEN AND ASSOCIATES, LLC | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | HCC LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| BENESYS INC5 Filed as: BENESYS, INC. | 700 TOWER DRIVE, SUITE 300 TROY, MI 48098 | HUMANA BENEFIT PLAN OF ILLINOIS, INC. | $300 | — | $300 | 5.76% |
| BENESYS INC5 Filed as: BENESYS, INC. | 700 TOWER DRIVE, SUITE 300 TROY, MI 48098 | HUMANA INSURANCE COMPANY OF NEW YORK | $100 | — | $100 | 6.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS, INC. EIN 38-2383171 NONE | Direct payment from the plan; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator Service code 12 | 700 TOWER DR, SUITE 300 TROY, MI 48098 | $1.9M |
| HAP PREFERRED INCORPORATED EIN 38-2242827 NONE | Claims processing; Direct payment from the plan Service code 12 | 2850 WEST GRAND BLVD DETROIT, MI 48202 | $711K |
| AMERICAN HEALTH HOLDING NONE | Consulting (general); Direct payment from the plan Service code 16 | 7400 W. CAMPUS ROAD F-510 NEW ALBANY, OH 43054 | $288K |
| CARPENTERS FRINGE BENEFIT FUNDS JDC EIN 38-3345174 NONE | Direct payment from the plan; Other services Service code 49 | 22260 HAGGERTY RD STE 350 NORTHVILLE, MI 48167 | $230K |
| AMERICARE NONE | Other services; Direct payment from the plan Service code 49 | 1938 WOODSLEE DRIVE TROY, MI 48083 | $197K |
| NOVARA TESIJA, PLLC EIN 38-3763096 NONE | Legal; Direct payment from the plan Service code 29 | 2000 TOWN CENTER STE 2370 SOUTHFIELD, MI 48075 | $166K |
| ZELIS NONE | Direct payment from the plan; Consulting (general) Service code 16 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | $128K |
| PREMIER HEALTHCARE EXCHANGE EIN 86-1040704 NONE | Direct payment from the plan; Consulting (general) Service code 16 | 2 CROSSROADS DR BEDMINSTER, NJ 07921 | $117K |
| STEFANSKY, HOLLOWAY, & NICHOLS INC. NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 22260 HAGGERTY ROAD NORTHVILLE, MI 48167 | $62K |
| 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 | $50K |
| UNION SERVICES AGENCY EIN 38-3297465 NONE | Direct payment from the plan; Insurance services; Insurance agents and brokers Service code 22 | 119 PERE MARQUETTE DRIVE LANSING, MI 48912 | $49K |
| BOYD WATTERSON ASSET MANAGEMENT NONE | Custodial (securities); Securities brokerage; Direct payment from the plan; Investment management fees paid directly by plan; Investment advisory (plan); Investment management Service code 19 | ONE NORTH WACKER STE 4025 312-224-3064 CHICAGO, IL 60606 | $47K |
| 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 | $35K |
| MORGAN STANLEY SMITH BARNEY EIN 13-2919773 NONE | Securities brokerage; Investment advisory (plan); Named fiduciary; Custodial (securities); Investment management; Investment management fees paid directly by plan; Direct payment from the plan Service code 19 | 101 W.BIG BEAVER RD S1200 TROY, MI 48084 | $30K |
| WEX HEALTH, INC. NONE | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 12 | 82 HOPMEADOW STREET SIMSBURY, CT 06089 | $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 | 3,516 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,306 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,822 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 10,081 | $2.5M |
| Vision | VISION SERVICE PLAN | 4,141 | $131K |
| Prescription drug(4 contracts, 4 carriers) | HUMANA INSURANCE COMPANY | 2,316 | $4.2M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | THE UNION LABOR LIFE INSURANCE COMPANY | 3,929 | $475K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,081 | — |
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."
No prospect flags tripped on this filing.