| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL C WALKER3 Filed as: MICHAEL G BUCK | — | BLUE CROSS BLUE SHIELD OF MICHIGAN | $15K | — | $15K | 3.59% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | — | AMERICAN FIDELITY ASSURANCE COMPANY | $11K | — | $11K | 3.50% |
| BENEFIT PARTNERS GROUP LLC3 Filed as: BENEFIT PARTNERS LLC | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | $10K | — | $10K | 27.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE KNOWN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Consulting (general); Insurance services; Direct payment from the plan; Other fees; Contract Administrator Service code 12 | — | $267K |
| BENESYS, INC EIN 38-3507129 NONE KNOWN | Contract Administrator; Copying and duplicating; Accounting (including auditing); Participant communication; Direct payment from the plan; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 10 | — | $78K |
| NOVARRA, TESIJA, CATENACCI, MCDONAL EIN 38-3507129 NONE KNOWN | Legal; Direct payment from the plan Service code 29 | — | $71K |
| MICHAEL BUCK NONE KNOWN | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions; Non-monetary compensation; Other fees Service code 22 | 38223 MOUND ROAD BUILDING F STERLING HEIGHTS, MI 48310 | $35K |
| SEGAL CONSULTING NONE KNOWN | Actuarial; Direct payment from the plan Service code 11 | 1300 E. NINTH STREET #1900 CLEVELAND, OH 44114 | $20K |
| WRRUBEL WESLEY AND COMPANY C.P.A.'S EIN 38-2574238 NONE KNOWN | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $10K |
| HEALTH PLAN ADVOCATE NONE KNOWN | Consulting fees; Direct payment from the plan; Other insurance fees and expenses Service code 50 | 5380 CASCADE ROAD #200 GRAND RAPIDS, MI 49546 | $9K |
| MARQUETTE ASSOCIATES NONE KNOWN | Other services; Direct payment from the plan; Investment advisory (plan) Service code 27 | 180 N. LASALLE STREET #3500 CHICAGO, IL 60601 | $8K |
| COMERICA BANK EIN 38-0477375 NONE KNOWN | Custodial (securities); Direct payment from the plan Service code 19 | — | $5K |
| AMERICAN GRAPHICS PRINTING NONE KNOWN | Other services; Direct payment from the plan Service code 49 | 34895 GROESBECK HIGHWAY CLINTON TOWNSHIP, MI 48035 | $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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 140 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 147 | $406K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 735 | $35K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 530 | $45K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 147 | $406K |
| Stop-loss / reinsurancereinsurance | AMERICAN FIDELITY ASSURANCE COMPANY | 236 | $305K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 530 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 735 | — |
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."
No prospect flags tripped on this filing.