| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREAT LAKES BENEFIT GROUP3 Filed as: GREAT LAKES BENEFIT GROUP, LLC | 28411 NORTHWESTERN HWY, SUITE 950 SOUTHFIELD, MI 48340 | HEALTH ALLIANCE PLAN | $63K | — | $63K | 1.30% |
| GREAT LAKES BENEFIT GROUP4 Filed as: GREAT LAKES BENEFIT GROUP, LLC | 28411 NORTHWESTERN HWY., SUITE 950 SOUTHFIELD, MI 48340 | HEALTH ALLIANCE PLAN | $2K | — | $2K | 1.19% |
| GREAT LAKES BENEFIT GROUP | 28411 NORTHWESTERN HWY SOUTHFIELD, MI 48034 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 2.01% |
| CRANBROOK INS UND AGENCY, INC3 Filed as: CRANBROOK INS UND AGENCY, INC. | 30200 TELEGRAPH RD, STE 137 BINGHAM FARMS, MI 480254506 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.53% |
| CRANBROOK INS UND AGENCY, INC3 | 30200 TELEGRAPH RD, STE. 137 BINGHAM FARMS, MI 480244506 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 25.26% |
| GREAT LAKES BENEFIT GROUP Filed as: GREAT LAKES BENEFIT GROUP, LLC | 28411 NORTHWESTERN HWY SOUTHFIELD, MI 480345515 | HERITAGE VISION PLANS, INC. | $877 | — | $877 | 3.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SEIU LOCAL 1 EIN 36-0899855 EMPLOYEE ORGANIZATION | Contract Administrator; Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $135K |
| TIC INTERNATIONAL CORPORATION EIN 13-2600875 NONE | Direct payment from the plan; Contract Administrator; Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | — | $72K |
| REHMANN CAPITAL ADVISORY GROUP, LLC NONE | Investment management fees paid directly by plan; Custodial (securities) Service code 19 | 1500 W. BIG BEAVER ROAD TROY, MI 48044 | $48K |
| SACHS WALDMAN PROFESSIONAL CORP. EIN 38-1905521 NONE | Legal; Direct payment from the plan Service code 29 | — | $32K |
| EHIM EIN 38-2776173 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $22K |
| BENDA, GRACE, STULZ & COMPANY, P.C. EIN 38-2284921 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $21K |
| INLAND PRESS NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 2001 W. LAFAYETTE BLVD. DETROIT, MI 48207 | $8K |
| GREAT LAKES BENEFIT GROUP EIN 20-5609101 NONE | Direct payment from the plan; Insurance agents and brokers; Other commissions; Consulting (general) Service code 16 | — | $8K |
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 | 655 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 662 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 848 | $144K |
| Vision | HERITAGE VISION PLANS, INC. | 783 | $29K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 625 | $42K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 625 | $134K |
| Other(2 contracts, 2 carriers) | HEALTH ALLIANCE PLAN | 625 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 848 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.