| 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 | $44K | — | $44K | 1.96% |
| 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 GROUP Filed as: GREAT LAKES BENEFIT GROUP, LLC | 28411 NORTHWESTERN HWY, 950 SOUTHFIELD, MI 48034 | HEALTH ALLIANCE PLAN | $1K | — | $1K | 2.29% |
| 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 | 3.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIANCE HEALTH AND LIFE INSURANCE EIN 38-1357020 NONE | Claims processing Service code 12 | — | $185K |
| TIC INTERNATIONAL CORPORATION EIN 13-2600875 NONE | Accounting (including auditing) Service code 10 | — | $167K |
| MORGAN STANLEY EIN 26-4310632 NONE | Custodial (securities) Service code 19 | — | $67K |
| A.D.N. ADMINISTRATORS NONE | Claims processing Service code 12 | 30700 TELEGRAPH RD, 2445 BINGHAM FARMS, MI 48025 | $43K |
| GREAT LAKES BENEFIT GROUP EIN 20-5609101 NONE | Consulting (general) Service code 16 | — | $28K |
| EHIM EIN 38-2776173 NONE | Claims processing Service code 12 | — | $27K |
| SACHS WALDMAN PROFESSIONAL CORP EIN 38-1905521 NONE | Legal Service code 29 | — | $23K |
| STEFANSKY, HOLLOWAY, & NICHOLS, INC EIN 38-2388845 NONE | Accounting (including auditing) Service code 10 | — | $18K |
| BENDA, GRACE, STULZ & COMPANY, P.C. EIN 38-2284921 NONE | Accounting (including auditing) Service code 10 | — | $18K |
| LEGG MASON & CO, LLC NONE | Investment advisory (plan) Service code 27 | P.O. BOX 9699 PROVIDENCE, RI 029409699 | $12K |
| INLAND PRESS NONE | Copying and duplicating Service code 36 | 2001 W. LAFAYETTE BLVD DETROIT, MI 48207 | $6K |
| BOYD WATTERSON NONE | Trustee (directed) Service code 25 | 1801 E 9TH ST 1400 CLEVELAND, OH 44114 | $6K |
| CAMBIAR INVESTORS NONE | Investment management Service code 28 | 200 COLUMBINE ST 800 DENVER, CO 80206 | $0 |
| CLEARBRIDGE INVESTMENTS NONE | Investment management Service code 28 | 620 8TH AVENUE 48 NEW YORK, NY 10018 | $0 |
| CONFLUENCE INVESTMENT MANAGEMENT NONE | Investment management Service code 28 | 20 ALLEN AVE 300 WEBSTER GROOVES, MO 63119 | $0 |
| GREAT LAKES INVESTMENT MGMT NONE | Investment management Service code 28 | 7017 PEARL RD CLEVELAND, OH 44130 | $0 |
| HARDING LOEVNER NONE | Investment management Service code 28 | 400 CROSSING BLVD 4TH FLR BRIDGEWATER, NJ 08807 | $0 |
| JOHN HANCOCK NONE | Investment management Service code 28 | P.O. BOX 55913 BOSTON, MA 022055913 | $0 |
| THE LONDON COMPANY NONE | Investment management Service code 28 | 1800 BYBERRY CT 301 RICHMOND, VA 23226 | $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 | 710 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 711 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYE MED | 629 | $29K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 534 | $34K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 534 | $107K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 534 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 673 | — |
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.