| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL C WALKER3 Filed as: MICHAEL G. BUCK | 38221 MOUND ROAD STERLING HEIGHTS, MI 483103466 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $11K | $35K | $46K | 14.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 38-2069753 NONE KNOWN | Claims processing; Other fees; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Direct payment from the plan; Non-monetary compensation; Contract Administrator; Insurance services Service code 12 | — | $185K |
| BENESYS, INC. EIN 38-6058023 NONE KNOWN | Contract Administrator; Direct payment from the plan Service code 13 | — | $78K |
| NOVARA, TESIJA PLLC EIN 38-3507129 NONE KNOWN | Legal; Direct payment from the plan Service code 29 | — | $63K |
| WRUBEL, WESLEY AND COMPANY C.P.A.'S EIN 38-2574238 NONE KNOWN | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $9K |
| DISABATO ADVISORS LLC NONE KNOWN | Investment advisory (plan); Direct payment from the plan Service code 27 | 525 W. MONROE CHICAGO, IL 60661 | $8K |
| SEGAL CONSULTING NONE KNOWN | Direct payment from the plan; Actuarial Service code 11 | 1300 E. NINTH STREET #1900 CLEVELAND, OH 44114 | $2K |
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 | 162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 159 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 178 | $709K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 421 | $42K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 873 | $316K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 421 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 873 | — |
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.