| 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 | $53K | — | $53K | 1.13% |
| 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 | $9K | — | $9K | 8.00% |
| GREAT LAKES BENEFIT GROUP3 | 28411 NORTHWESTERN HWY SOUTHFIELD, MI 48034 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 1.99% |
| CRANBROOK INS UND AGENCY, INC3 | 30200 TELEGRAPH RD, STE. 137 BINGHAM FARMS, MI 480244506 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.00% |
| GREAT LAKSES BENEFIT GROUP | 28411 NORTHWESTERN HWY., STE. 950 SOUTHFIELD, MI 48034 | EYE MED | $1K | — | $1K | 6.66% |
| GREAT LAKES BENEFIT GROUP Filed as: GREAT LAKES BENEFIT GROUP, LLC | 28411 NORTHWESTERN HWY SOUTHFIELD, MI 480345515 | HERITAGE VISION PLANS, INC. | $284 | — | $284 | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TIC INTERNATIONAL CORPORATION EIN 13-2600875 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing); Direct payment from the plan Service code 10 | — | $169K |
| MORGAN STANLEY EIN 26-4310632 NONE | Investment management fees paid directly by plan; Custodial (securities) Service code 19 | — | $48K |
| SACHS WALDMAN PROFESSIONAL CORP. EIN 38-1905521 NONE | Legal; Direct payment from the plan Service code 29 | — | $43K |
| EHIM EIN 38-2776173 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $25K |
| BENDA, GRACE, STULZ & COMPANY, P.C. EIN 38-2284921 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $17K |
| STEFANSKY, HOLLOWAY, & NICHOLS, INC EIN 38-2388845 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $17K |
| LEGG MASON NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | P.O. BOX 9699 PROVIDENCE, RI 029409699 | $9K |
| REHMANN CAPITAL ADVISORY GROUP LLC NONE | Custodial (securities); Investment management fees paid directly by plan Service code 19 | 1500 W. BIG BEAVER ROAD TROY, MI 48044 | $8K |
| GREAT LAKES BENEFIT GROUP EIN 20-5609101 NONE | Other commissions; Consulting (general); Direct payment from the plan; Insurance agents and brokers Service code 16 | — | $8K |
| INLAND PRESS NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 2001 W. LAFAYETTE BLVD. DETROIT, MI 48207 | $6K |
| BOYD WATTERSON NONE | Investment management fees paid indirectly by plan; Trustee (directed) Service code 25 | 1801 E 9TH ST 1400 CLEVELAND, OH 44114 | $0 |
| CLEARBRIDGE INVESTMENTS NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | 620 8TH AVENEU 48 NEW YORK, NY 10018 | $0 |
| CONFLUENCE IVNESTMENT MANAGEMENT NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | 20 ALLEN AVE 300 WEBSTER GROOVES, MO 63119 | $0 |
| GREAT LAKES INVESTMENT MGMT NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | 7017 PEARL RD CLEVELAND, OH 44130 | $0 |
| HARDING LOEVNER NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | 400 CROSSING BLVD 4TH FLR BRIDGEWATER, NJ 08807 | $0 |
| THE LONDON COMPANY NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | 1800 BYBERRY CT 301 RICHMOND, VA 23226 | $0 |
| WESTERN ASSET MANAGEMENT NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | 385 EAST 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 | 653 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 659 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 0 | $95K |
| Vision(2 contracts, 2 carriers) | EYE MED | 747 | $29K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 602 | $37K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 604 | $117K |
| Other(2 contracts, 2 carriers) | HEALTH ALLIANCE PLAN | 602 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 747 | — |
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.