| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL C WALKER3 Filed as: MICHAEL G BUCK | 38223 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $34K | $49K | $83K | 11.08% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| THOMAS DANIEL SCHMIDT3 | 21608 PINE CONE DR MACOMB, MI 48042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| DIANNA LYNN ATCHISON3 | 15130 SNOWBERRY CT SPRING LAKE, MI 49456 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| JEANETTE VERONICA HARRIS3 | 5480 PINE BLUFF LANE NORTON SHORES, MI 49441 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| ZACHARY EUGENE VICKERS3 | 24 S LOCUST ST MARIETTA, PA 17547 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| MACQUEEN & ASSOCIATES LLC3 Filed as: MACQUEEN AND ASSOCIATES LLC | 2191 12 MILE ROAD BERKLEY, MI 48072 | METROPOLITAN LIFE INSURANCE COMPANY | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE | Contract Administrator; Direct payment from the plan; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Float revenue; Insurance services; Consulting (general) Service code 12 | 600 E LAFAYETTE ST DETROIT, MI 48226 | $282K |
| METROPOLITAN LIFE INSURANCE CO. EIN 13-5581829 NONE | Direct payment from the plan; Insurance services Service code 23 | 200 PARK AVENUE NEW YORK, NY 10017 | $246K |
| TIC INTERNATIONAL CORPORATION EIN 13-2600875 NONE | Contract Administrator; Other fees; Accounting (including auditing); Direct payment from the plan; Copying and duplicating; Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator Service code 10 | 6525 CENTURION DR LANSING, MI 48917 | $99K |
| 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 | $71K |
| HEALTH PLAN ADVOCATE EIN 38-3607439 NONE | Claims processing; Insurance services; Consulting (general); Direct payment from the plan Service code 12 | 5380 CASCADE RD GRAND RAPIDS, MI 49546 | $38K |
| STEFANSKY, HOLLOWAY & NICHOLS INC. EIN 38-2388845 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 22260 HAGGERTY ROAD NORTHVILLE, MI 48167 | $27K |
| STRATEGIC CAPITAL INVESTMENT ADVR. EIN 36-4268991 NONE | Direct payment from the plan; Other investment fees and expenses; Consulting (pension); Investment advisory (plan); Investment management Service code 17 | 700 E BUTTERFIELD RD LOMBARD, IL 60148 | $23K |
| TIC MIDWEST EIN 93-4217445 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Copying and duplicating; Accounting (including auditing); Other fees; Plan Administrator; Contract Administrator Service code 10 | 11590 N MERIDIAN ST CARMEL, IN 46032 | $22K |
| 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 | $19K |
| UNITED ACTUARIAL SERVICES EIN 35-2156428 NONE | Actuarial; Direct payment from the plan Service code 11 | 11590 N MERIDIAN ST 610 CARMEL, IN 46032 | $17K |
| MACQUEEN AND ASSOCIATES, LLC EIN 20-0495393 NONE | Insurance services; Insurance agents and brokers; Direct payment from the plan Service code 22 | 415 S WEST ST STE 350 ROYAL OAK, MI 48067 | $15K |
| COLONIAL LIFE AND ACCIDENT EIN 57-0144607 NONE | Direct payment from the plan; Insurance services Service code 23 | 1200 COLONIAL LIFE BLVD W COLUMBIA, SC 29210 | $5K |
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 | 730 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 152 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 882 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 0 | $0 |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 0 | $0 |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 804 | $750K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 804 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.