| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES PICKFORD3 | PO BOX 189 JACKSON, MI 49204 | BLUE CARE NETWORK OF MICHIGAN | $47K | — | $47K | 5.49% |
| 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 | — | $82K |
| LARRY BIALOBRZESKI EIN 38-6114034 EMPLOYEE OF THE FUND | Direct payment from the plan; Employee (plan) Service code 30 | — | $22K |
| MORGAN STANLEY NONE | Securities brokerage; Direct payment from the plan; Other investment fees and expenses; Securities brokerage commissions and fees; Investment advisory (plan) Service code 27 | 39401 WOODWARD AVE 300 BIRMINGHAM, MI 48009 | $19K |
| BENDA GRACE STULZ & CO PC EIN 38-2284921 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $12K |
| 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 | $7K |
| WATKINS PAWLICK CALATI & PRIFTI PC EIN 83-2893229 NONE | Legal; Direct payment from the plan Service code 29 | — | $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 | 69 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 47 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 153 | $850K |
| Vision | BLUE CARE NETWORK OF MICHIGAN | 153 | $850K |
| Life insurance | THE UNION LABOR LIFE INSURANCE CO | 113 | $7K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 153 | $850K |
| Other | THE UNION LABOR LIFE INSURANCE CO | 113 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.