| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES PICKFORD3 | PO BOX 189 JACKSON, MI 49204 | BLUE CARE NETWORK OF MICHIGAN | $26K | — | $26K | 4.00% |
| NONE | — | THE UNION LABOR LIFE INSURANCE CO | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CLAUDIA NORMAN EIN 38-6114034 EMPLOYEE OF THE FUND | Direct payment from the plan; Employee (plan) Service code 30 | — | $73K |
| MORGAN STANLEY NONE | Direct payment from the plan; Securities brokerage; Other investment fees and expenses; Securities brokerage commissions and fees; Investment advisory (plan) Service code 27 | 39401 WOODWARD AVE 300 BIRMINGHAM, MI 48009 | $18K |
| LARRY BIALOBRZESKI EIN 38-6114034 EMPLOYEE OF THE FUND | Direct payment from the plan; Employee (plan) Service code 30 | — | $17K |
| MORRIS KALISH & WALGREEN PC EIN 38-2182462 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $8K |
| DIAMON DALTON EIN 38-6114034 EMPLOYEE OF THE FUND | Direct payment from the plan; Employee (plan) Service code 30 | — | $7K |
| BAKERS & CONFECTIONARY WORKERS 326 SPONSORING PARTY OF FUND | Direct payment from the plan; Other services Service code 49 | 10501 ALLEN RD,206 ALLEN PARK, MI 48101 | $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 | 51 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 53 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 119 | $638K |
| Vision | BLUE CARE NETWORK OF MICHIGAN | 119 | $638K |
| Life insurance | THE UNION LABOR LIFE INSURANCE CO | 93 | $7K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 119 | $638K |
| Other | THE UNION LABOR LIFE INSURANCE CO | 93 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.