| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL C WALKER3 Filed as: MICHAEL G BUCK | 38221 MOUND ROAD, BLDG F STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN MEDICARE ADVANTAGE | $22K | — | $22K | 0.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE | Other fees; Consulting (general); Insurance services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Direct payment from the plan; Claims processing Service code 12 | — | $3.7M |
| TIC INTERNATIONAL CORPORATION EIN 13-2600875 NONE | Claims processing; Contract Administrator; Direct payment from the plan; Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | — | $852K |
| MICHAEL G BUCK NONE | Insurance brokerage commissions and fees; Non-monetary compensation; Other commissions; Insurance agents and brokers; Other fees Service code 22 | 38233 MOUND ROAD BLDG F STERING HEIGHTS, MI 48310 | $239K |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $187K |
| SEGALL BRYANT & HAMILL EIN 41-1788385 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $120K |
| LEGGHIO & ISREAL, PC EIN 38-1971448 NONE | Legal; Direct payment from the plan Service code 29 | — | $92K |
| MICHIGAN LABORERS FBF JDC EIN 34-2013845 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $72K |
| TRADE SOLUTIONS NONE | Direct payment from the plan; Copying and duplicating; Participant communication Service code 36 | PO BOX 1318 CLARKSTON, MI 48348 | $61K |
| MEKETA INVESTMENT GROUP EIN 04-2659023 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $32K |
| BENDA, GRACE, STULZ & COMPANY PC EIN 38-2284921 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $28K |
| ROBERT W BAIRD & COMPANY INC NONE | Investment management fees paid directly by plan; Investment management Service code 28 | 300 PARK STREET, STE 240 BIRMINGHAM, MI 48009 | $23K |
| 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 STERING HEIGHTS, MI 48310 | $22K |
| DBI BUSINESS INTERIORS NONE | Copying and duplicating; Direct payment from the plan Service code 36 | 912 EAST MICHIGAN LANSING, MI 48912 | $11K |
| MADDIN, HAUSER, ROTH & HELLER PC NONE | Legal; Direct payment from the plan Service code 29 | 28400 NORTHWESTERN HWY SOUTHFIELD, MI 48034 | $9K |
| CHEIRON EIN 13-4215617 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $9K |
| COMERICA BANK EIN 38-6222545 NONE | Direct payment from the plan; Custodial (securities) 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 | 4,734 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,156 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,890 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN MEDICARE ADVANTAGE | 1,055 | $3.4M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN MEDICARE ADVANTAGE | 1,055 | $3.4M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 5,632 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,632 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.