| 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 | $830K | — | $830K | 39.66% |
| BENESYS INC5 Filed as: BENESYS, INC. | 700 TOWER DRIVE, SUITE 300 TROY, MI 48098 | HUMANA INSURANCE COMPANY OF NEW YORK | $600 | — | $600 | 39.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | ONE EXPRESS WAY ST LOUIS, MO 63121 | $21.6M |
| BENESYS, INC. EIN 38-2383171 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator; Direct payment from the plan; Claims processing Service code 12 | 700 TOWER DR, SUITE 300 TROY, MI 48098 | $1.7M |
| THE UNION LABOR LIFE INSURANCE CO. EIN 13-1423090 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $517K |
| 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 | $247K |
| ZELIS CLAIMS INTEGRITY, LLC EIN 86-1040704 NONE | Direct payment from the plan; Other fees Service code 50 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | $226K |
| ALLIANCE HEALTH & LIFE CORP. NONE | Direct payment from the plan; Insurance services Service code 23 | 2850 W GRAND BLVD DETROIT, MI 48202 | $110K |
| GOLDEN DENTAL PLANS, INC. EIN 38-2724203 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $109K |
| BOYD WATTERSON ASSET MANAGEMENT LLC EIN 34-1922005 NONE | Investment management fees paid directly by plan; Direct payment from the plan; Investment management Service code 28 | 1301 E 9TH ST STE 2900 CLEVELAND, OH 44114 | $80K |
| 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 | $71K |
| CARPENTERS FRINGE BENEFIT FUNDS JDC EIN 38-3345174 COLLECTION PROGRAM | Other services; Direct payment from the plan Service code 49 | 22260 HAGGERTY RD STE 350 NORTHVILLE, MI 48167 | $59K |
| THE SEGAL COMPANY EIN 13-1975125 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 | 333 WEST 34TH STREET NEW YORK, NY 10001 | $54K |
| 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 | $38K |
| MORGAN STANLEY GLOBAL BANKING EIN 13-2919773 NONE | Investment management; Custodial (securities); Investment management fees paid directly by plan; Investment advisory (plan); Securities brokerage; Direct payment from the plan; Named fiduciary Service code 19 | 101 W.BIG BEAVER RD S1200 TROY, MI 48084 | $26K |
| 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 | 5,223 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,188 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBS - INDEPENDENCE ADMINISTRATORS | 6,051 | $49.5M |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 11,936 | $3.0M |
| Vision | VISION SERVICE PLAN | 6,028 | $396K |
| Prescription drug(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 2,760 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,936 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.