| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL C WALKER3 Filed as: MICHAEL G. BUCK | 38221 MOUND ROAD STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 0.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE | Insurance services; Float revenue; Contract Administrator; Other fees; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Direct payment from the plan Service code 12 | — | $3.6M |
| TIC INTERNATIONAL CORPORATION EIN 13-2600875 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing); Claims processing; Direct payment from the plan Service code 10 | — | $890K |
| MICHAEL G. BUCK NONE | Other fees; Other commissions; Insurance brokerage commissions and fees; Non-monetary compensation; Insurance agents and brokers Service code 22 | 38221 MOUND ROAD STERLING HEIGHTS, MI 48310 | $239K |
| SEGALL BRYANT & HAMILL EIN 41-1788385 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $132K |
| MICHIGAN LABORERS FBF JDC EIN 34-2013845 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $96K |
| LEGGHIO & ISREAL, PC EIN 38-1971448 NONE | Legal; Direct payment from the plan Service code 29 | — | $78K |
| SALUS GROUP NONE | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 38221 MOUND ROAD STERLING HEIGHTS, MI 48310 | $70K |
| TRADE SOLUTIONS NONE | Participant communication; Copying and duplicating; Direct payment from the plan Service code 36 | PO BOX 1318 CLARKSTON, MI 48347 | $65K |
| SEIZERT CAPITAL PARTNERS EIN 38-3553488 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $42K |
| BENDA, GRACE, STULZ & COMPANY PC EIN 38-2284921 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $26K |
| MEKETA INVESTMENT GROUP EIN 04-2659023 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $26K |
| CHEIRON, INC. EIN 13-4215617 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $16K |
| CRYSTAL MOUNTAIN NONE | Direct payment from the plan; Other services Service code 49 | 12500 CRYSTAL MOUNTAIN DR THOMPSONVILLE, MI 49683 | $15K |
| DBI BUSINESS INTERIORS NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 912 EAST MICHIGAN LANSING, MI 48912 | $12K |
| ERMAN, TEICHER, MILLER, ZUCKER EIN 38-1468534 NONE | Legal; Direct payment from the plan Service code 29 | — | $6K |
| ASSOCIATION BENEFITS COMPANY NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 15 | 24600 NORTHWESTERN HWY SOUTHFIELD, MI 48075 | $6K |
| COMERICA BANK EIN 38-6222545 NONE | Custodial (securities); Direct payment from the plan Service code 19 | — | $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 | 4,769 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,252 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,021 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN MEDICARE ADVANTAGE | 1,058 | $1.9M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN MEDICARE ADVANTAGE | 1,058 | $1.9M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 5,715 | $886K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,715 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.