| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL C WALKER3 Filed as: MICHAEL G. BUCK | 38221 MOUND ROAD STERLING HEIGHTS, MI 483103466 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $23K | — | $23K | 3.49% |
| ASSOCIATION BENEFITS CO3 | 26555 EVERGREEN ROAD, SUITE 410 SOUTHFIELD, MI 480764242 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.43% |
| BENEFITS PARTNER LLC3 | 38221 MOUND ROAD, BUILDING G STERLING HEIGHTS, MI 483103466 | METROPOLITAN LIFE INSURANCE COMPANY | $637 | $104 | $741 | 2.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE | Direct payment from the plan; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Insurance services; Float revenue; Contract Administrator; Claims processing Service code 12 | 27000 W 11 MILE ROAD SOUTHFIELD, MI 48034 | $767K |
| TIC INTERNATIONAL CORPORATION EIN 13-2600875 NONE | Claims processing; Participant communication; Contract Administrator; Recordkeeping fees; Direct payment from the plan; Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | 30700 TELEGRAPH ROAD, SUITE 2400 BINGHAM FARMS, MI 48025 | $237K |
| FERGUSON WIDMAYER PC EIN 38-2995783 NONE | Legal; Direct payment from the plan Service code 29 | 538 N DIVISION ANN ARBOR, MI 48104 | $86K |
| BENEFITS PARTNER LLC NONE | Insurance brokerage commissions and fees; Consulting (general); Insurance agents and brokers Service code 16 | 38221 MOUND ROAD, BUILDING G STERLING HEIGHTS, MI 48310 | $58K |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 NONE | Claims processing; Direct payment from the plan Service code 12 | PO BOX 790014 DETROIT, MI 48279 | $50K |
| O'SULLIVAN ASSOCIATES, INC EIN 20-8199367 NONE | Direct payment from the plan; Actuarial Service code 11 | 1236 BRACE ROAD, UNIT E CHERRY HILL, NJ 08034 | $28K |
| BENNETT & ASSOCIATES CPAS PLLC EIN 27-3488128 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 100 HURONVIEW BLVD, SUITE 200 ANN ARBOR, MI 48103 | $25K |
| COMERICA BANK EIN 42-1741646 NONE | Direct payment from the plan; Float revenue; Other services; Shareholder servicing fees; Other investment fees and expenses; Custodial (securities) Service code 19 | 411 W LAFAYETTE DETROIT, MI 48226 | $24K |
| WEX HEALTH, INC EIN 06-1593514 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | 82 HOPMEADOW STREET, SUITE 220 SIMSBURY, CT 06089 | $23K |
| ASSOCIATION BENEFITS, INC EIN 38-3000355 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Consulting (general) Service code 16 | 26555 EVERGREEN ROAD, SUITE 410 SOUTHFIELD, MI 48076 | $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 | 1,148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 68 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 1,216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 857 | $36K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,216 | $660K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 857 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,216 | — |
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.