| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL BUCK3 | 38223 MOUND ROAD BUILDING F STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $124K | — | $124K | 26.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TIC INTERNATIONAL CORP EIN 13-2600875 NONE | Accounting (including auditing); Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Contract Administrator Service code 10 | — | $821K |
| INDEPENDENT ADMINISTRTORS - BCBS EIN 13-2600875 NONE | Other fees; Direct payment from the plan; Contract Administrator; Claims processing; Insurance services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general) Service code 12 | 1919 MARKET ST, 2ND FL PHILADELPHIA, PA 19103 | $595K |
| EXPRESS SCRIPTS RX NONE | Other fees Service code 99 | 4600 N. HANLEY RD ST. LOUIS, MO 63134 | $290K |
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE | Insurance services; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator; Direct payment from the plan; Claims processing; Consulting (general) Service code 12 | — | $140K |
| DELTA DENTAL EIN 38-1791480 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $68K |
| SALUS GROUP EIN 38-6233978 NONE | Direct payment from the plan; Consulting (general) Service code 16 | 38221 MOUND RD STERING HEIGHTS, MI 48310 | $61K |
| WATKINS,PAWLICK,CALATI & PRIFTI PC EIN 83-2893229 NONE | Legal; Direct payment from the plan Service code 29 | — | $38K |
| MICHIGAN CARPENTERS PENSION FUND EIN 38-6233978 NONE | Direct payment from the plan; Other services Service code 49 | — | $38K |
| BENDA, GRACE, STULZ & COMPANY, P.C. EIN 38-2284921 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $30K |
| SEGALL, BRYAN & HAMILL EIN 41-1788385 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $22K |
| TRADE SOLUTIONS NONE | Participant communication; Direct payment from the plan; Copying and duplicating Service code 36 | PO BOX 1318 CLARKSTON, MI 48347 | $18K |
| UNITED ACTUARIAL SERVCIES EIN 35-2156428 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $13K |
| HEALTH PLAN ADVOCATE NONE | Direct payment from the plan; Consulting (general) Service code 16 | 5380 CASCADE RD. SE GRAND RAPIDS, MI 49503 | $10K |
| DBI BUSINESS INTERIORS NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 912 EAST MICHIGAN LANSING, MI 48901 | $9K |
| COMERICA BANK EIN 38-6222545 NONE | Custodial (securities); Direct payment from the plan Service code 19 | — | $6K |
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 | 1,819 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 682 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,501 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 824 | $463K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 824 | — |
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.
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.