| 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 | $305K | — | $305K | 7.74% |
| MACQUEEN & ASSOCIATES LLC3 Filed as: MACQUEEN AND ASSOCIATES, LLC | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | THE UNION LABOR LIFE INSURANCE COMPANY | $51K | — | $51K | 7.50% |
| BENESYS INC5 Filed as: BENESYS, INC. | 700 TOWER DRIVE, SUITE 300 TROY, MI 48098 | HUMANA INSURANCE COMPANY OF NEW YORK | $200 | — | $200 | 7.08% |
| 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 | $20.4M |
| BENESYS, INC. EIN 38-2383171 NONE | Claims processing; Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 12 | 700 TOWER DR, SUITE 300 TROY, MI 48098 | $2.1M |
| HAP PREFERRED INCORPORATED EIN 38-2242827 NONE | Claims processing; Direct payment from the plan Service code 12 | 2850 WEST GRAND BLVD DETROIT, MI 48202 | $840K |
| ZELIS EIN 58-2167964 NONE | Direct payment from the plan; Consulting (general) Service code 16 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | $509K |
| 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 | $239K |
| AMERICAN HEALTH HOLDING INC. EIN 31-1368946 NONE | Direct payment from the plan; Other services Service code 49 | 7400 W. CAMPUS ROAD F-510 NEW ALBANY, OH 43054 | $211K |
| AMERICARE MEDICAL INC. EIN 38-3022674 NONE | Direct payment from the plan; Other services Service code 49 | 1938 WOODSLEE DRIVE TROY, MI 48083 | $121K |
| BOYD WATTERSON ASSET MANAGEMENT LLC EIN 34-1922005 NONE | Direct payment from the plan; Investment management; Investment advisory (plan); Securities brokerage; Investment management fees paid directly by plan; Custodial (securities) Service code 19 | 1801 E 9TH ST, STE 1400 CLEVELAND, OH 44114 | $108K |
| MORGAN STANLEY GLOBAL BANKING EIN 13-2919773 NONE | Investment advisory (plan); Named fiduciary; Custodial (securities); Investment management fees paid directly by plan; Securities brokerage; Investment management; Direct payment from the plan Service code 19 | 101 W.BIG BEAVER RD S1200 TROY, MI 48084 | $59K |
| 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 | $43K |
| BULTYNCK & CO., PLLC EIN 20-3920878 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 15985 CANAL ROAD CLINTON TOWNSHIP, MI 48038 | $41K |
| THE SEGAL COMPANY NONE | Securities brokerage; Direct payment from the plan; Investment management fees paid directly by plan; Named fiduciary; Custodial (securities); Investment advisory (plan); Investment management Service code 19 | 3001 WEST BIG BEAVER RD TROY, MI 48084 | $33K |
| 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 |
| AMERICAN GRAPHICS PRINTING CO. EIN 38-2090931 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 34895 GROESBECK HWY CLINTON TOWNSHIP, MI 48035 | $13K |
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 | 5,456 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,204 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,660 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBS - INDEPENDENCE ADMINISTRATORS | 5,986 | $24.5M |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 12,197 | $3.4M |
| Vision | VISION SERVICE PLAN | 6,128 | $399K |
| Prescription drug(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 2,758 | $3.9M |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 8,023 | $680K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,197 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.