| 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 | $303K | — | $303K | 6.45% |
| MACQUEEN & ASSOCIATES LLC3 Filed as: MACQUEEN AND ASSOCIATES, LLC | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | THE UNION LABOR LIFE INSURANCE COMPANY | $48K | — | $48K | 7.50% |
| BENESYS INC5 Filed as: BENESYS, INC. | 700 TOWER DRIVE, SUITE 300 TROY, MI 48098 | HUMANA BENEFIT PLAN OF ILLINOIS, INC. | $900 | — | $900 | 5.56% |
| BENESYS INC5 Filed as: BENESYS, INC. | 700 TOWER DRIVE, SUITE 300 TROY, MI 48098 | HUMANA INSURANCE COMPANY OF NEW YORK | $200 | — | $200 | 6.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Direct payment from the plan; Claims processing Service code 12 | ONE EXPRESS WAY ST LOUIS, MO 63121 | $18.0M |
| BENESYS, INC. EIN 38-2383171 NONE | Direct payment from the plan; Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | 700 TOWER DR, SUITE 300 TROY, MI 48098 | $2.3M |
| HAP PREFERRED INCORPORATED EIN 38-2242827 NONE | Direct payment from the plan; Claims processing Service code 12 | 2850 WEST GRAND BLVD DETROIT, MI 48202 | $995K |
| ZELIS EIN 58-2167964 NONE | Direct payment from the plan; Consulting (general) Service code 16 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | $617K |
| AMERICAN HEALTH HOLDING INC. EIN 31-1368946 NONE | Other services; Direct payment from the plan Service code 49 | 7400 W. CAMPUS ROAD F-510 NEW ALBANY, OH 43054 | $515K |
| AMERICARE MEDICAL INC. EIN 38-3022674 NONE | Direct payment from the plan; Other services Service code 49 | 1938 WOODSLEE DRIVE TROY, MI 48083 | $208K |
| NOVARA, TESIJA & CATENACCI, PLLC EIN 38-3763096 NONE | Legal; Direct payment from the plan Service code 29 | 888 W. BIG BEAVER RD, 600 TROY, MI 48084 | $156K |
| UNION SERVICES AGENCY EIN 38-3297465 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | 119 PERE MARQUETTE DRIVE LANSING, MI 48912 | $91K |
| BOYD WATTERSON ASSET MANAGEMENT LLC EIN 34-1922005 NONE | Investment management; Direct payment from the plan; Custodial (securities); Investment advisory (plan); Securities brokerage; Investment management fees paid directly by plan Service code 19 | 1801 E 9TH ST, STE 1400 CLEVELAND, OH 44114 | $83K |
| 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 | $75K |
| MORGAN STANLEY GLOBAL BANKING EIN 13-2919773 NONE | Investment advisory (plan); Custodial (securities); Investment management fees paid directly by plan; Investment management; Direct payment from the plan; Securities brokerage; Named fiduciary Service code 19 | 101 W.BIG BEAVER RD S1200 TROY, MI 48084 | $53K |
| 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 | $44K |
| 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 | $37K |
| THE WAGNER LAW GROUP NONE | Legal; Direct payment from the plan Service code 29 | 99 SUMMER ST 617-357-5200 BOSTON, MA 02110 | $18K |
| UNITED ACTUARIAL SERVICES, INC. EIN 35-2156428 NONE | Direct payment from the plan; Actuarial Service code 11 | 11590 N. MERIDIAN STE 610 CARMEL, IN 46032 | $18K |
| PRATTER, INC. NONE | Other services; Direct payment from the plan Service code 49 | 120 VILLAGE DRIVE 724-830-8100 GREENSBURG, PA 15601 | $12K |
| INTERLINK HEALTH SERVICES NONE | Direct payment from the plan; Other services Service code 49 | 4660 NE BELKNAP COURT 503-640-2000 HILLSBORO, OR 97124 | $11K |
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 | 5,124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,703 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,827 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 12,794 | $3.4M |
| Vision | VISION SERVICE PLAN | 5,944 | $380K |
| Prescription drug(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 2,825 | $4.7M |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 5,911 | $640K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,794 | — |
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.