| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID O WILLIAMSON3 | 2209 N VERMONT AVE ROYAL OAK, MI 48073 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 8.00% |
| DAVID O WILLIAMSON3 | 2209 N VERMONT AVE ROYAL OAK, MI 48073 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.00% |
| GREAT LAKES BENEFIT GROUP3 | 28411 NORTHWESTERN HWY., STE. 950 SOUTHFIELD, MI 48034 | EYE MED | $3K | — | $3K | 20.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCOMP LLC EIN 36-4197088 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Other fees; Insurance services; Consulting (general); Direct payment from the plan Service code 12 | — | $348K |
| TIC MIDWEST LLC EIN 13-2600875 NONE | Direct payment from the plan; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing) Service code 10 | — | $194K |
| GREAT LAKES BENEFIT GROUP EIN 20-5609101 NONE | Insurance agents and brokers; Direct payment from the plan; Other commissions; Consulting (general) Service code 16 | — | $50K |
| A.D.N. ADMINISTRATORS EIN 01-0644202 NONE | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Contract Administrator Service code 12 | — | $34K |
| WATKINS PAWLICK CALATI & PRIFTI PC NONE | Legal; Direct payment from the plan Service code 29 | 1423 E 12 MILE RD MADISON HEIGHTS, MI 48071 | $31K |
| MORGAN STANLEY EIN 26-4310632 NONE | Custodial (securities); Investment management fees paid directly by plan Service code 19 | — | $23K |
| BENDA, GRACE, STULZ & COMPANY, P.C. EIN 38-2284921 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $22K |
| ARISTOTLE FUNDS | Investment management fees paid indirectly by plan; Investment management Service code 28 | PO BOX 701 MILWAUKEE, WI 53202 | $0 |
| BOYD WATTERSON ASSET MANAGEMENT NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | 1801 E 9TH STREET, 1400 CLEVELAND, OH 44113 | $0 |
| CLEARBRIDGE INVESTMENTS NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | 620 8TH AVENUE, 48 NY, NY 10018 | $0 |
| CONFLUENCE INVESTMENT MANAGEMENT NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | 20 ALLEN AVENUE, 300 WEBSTER GROVES, MO 63119 | $0 |
| HARDING LOEVNER NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | 400 CROSSING BLVD, 4TH FL BRIDGEWATER, NJ 08807 | $0 |
| JOHN HANCOCK NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | PO BOX 55913 BOSTON, MA 022055913 | $0 |
| KAYNE ANDERSON | Investment management; Investment management fees paid indirectly by plan Service code 28 | 1800 AVENUE OF STARS LOS ANGELES, CA 90017 | $0 |
| WESTERN ASSET MGMT CO, LLC NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | 385 E COLORADO BLVD PASADENA, CA 91101 | $0 |
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 | 550 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 550 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYE MED | 535 | $17K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 546 | $38K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 546 | $144K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 531 | $265K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 546 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 546 | — |
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.