| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL C WALKER3 Filed as: MICHAEL G. BUCK | 38233 MOUND ROAD, BLDG F STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $7K | — | $7K | 2.74% |
| VINCENT J. ROSE3 | 620 S LAKE STREET MARQUETTE, MI 49855 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 0.85% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS | 1406 N MITCHELL STREET CADILLAC, MI 49601 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $780 | — | $780 | 0.29% |
| BENEFIT PTNRS LLC DBA SALUS GROUP3 | 38233 MOUND ROAD, BUILDING F STERLING HEIGHTS, MI 48310 | DELTA DENTAL OF MICHIGAN | $2K | $373 | $3K | 2.48% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS, INC. | PO BOX 700 CADILLAC, MI 49601 | DELTA DENTAL OF MICHIGAN | $898 | — | $898 | 0.86% |
| MICHAEL BUCK3 | 38233 MOUND ROAD, BLDG F STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN MEDICARE ADVANTAGE | $2K | — | $2K | 2.59% |
| VINCENT J. ROSE3 Filed as: VINCENT ROSE | 620 S LAKE STREET MARQUETTE, MI 49855 | BLUE CROSS BLUE SHIELD OF MICHIGAN MEDICARE ADVANTAGE | $508 | — | $508 | 0.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE | Other fees; Consulting (general); Float revenue; Insurance services; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $228K |
| TIC INTERNATIONAL CORPORATION EIN 13-2600875 NONE | Plan Administrator; Claims processing; Direct payment from the plan; Participant communication; Accounting (including auditing); Copying and duplicating; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | — | $157K |
| NOVARA TESIJA, PLLC EIN 38-2823147 NONE | Legal; Direct payment from the plan Service code 29 | — | $57K |
| MICHAEL G. BUCK NONE | Non-monetary compensation; Other fees; Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | $25K |
| BENDA, GRACE, STULZ & COMPANY, P.C. EIN 38-2284921 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $15K |
| UNITED ACTUARIAL SERVICES EIN 35-2156428 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $10K |
| VINCENT J. ROSE NONE | Insurance brokerage commissions and fees; Other commissions; Non-monetary compensation; Insurance agents and brokers; Other fees Service code 22 | 620 S LAKE STREET MARQUETTE, MI 49855 | $8K |
| MARQUETTE ASSOCIATES EIN 36-3485298 NONE | Direct payment from the plan; Investment management Service code 28 | — | $6K |
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 | 228 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN MEDICARE ADVANTAGE | 33 | $92K |
| Dental | DELTA DENTAL OF MICHIGAN | 644 | $105K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN MEDICARE ADVANTAGE | 33 | $92K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 258 | $266K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 644 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.