No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE | Claims processing Service code 12 | P.O. BOX 2888 DETROIT, MI 48231 | $417K |
| HCC LIFE INSURANCE COMPANY NONE | Claims processing Service code 12 | 225 TOWNPARK DRIVE STE350 KENNESAW, GA 30144 | $247K |
| NOVARA, TESIJA & CATENACCI, PLLC EIN 38-3763096 NONE | Legal Service code 29 | 2000 TOWN CENTER STE 2370 SOUTHFIELD, MI 48075 | $121K |
| UNITED ACTUARIAL SERVICES, INC. EIN 35-2156428 NONE | Actuarial Service code 11 | 11590 NORTH MERIDIAN ST CARMEL, IN 46032 | $76K |
| TIC INTERNATIONAL CORPORATION EIN 13-2600875 NONE | Plan Administrator Service code 14 | 6525 CENTURION DRIVE LANSING, MI 48917 | $58K |
| UMR, INC. EIN 39-1995276 NONE | Claims processing Service code 12 | — | $32K |
| LORI HATFIELD EMPLOYEE | Employee (plan) Service code 30 | 11847 SHAVER RD. SCHOOLCRAFT, MI 49087 | $12K |
| MORGAN STANLEY GLOBAL BANKING NONE | Custodial (securities) Service code 19 | 1585 BROADWAY AVENUE NEW YORK, NY 10036 | $11K |
| BULTYNCK & CO., P.L.L.C. EIN 20-3920878 NONE | Accounting (including auditing) Service code 10 | 15985 CANAL ROAD CLINTON TOWNSHIP, MI 48038 | $9K |
| TRADE SOLUTIONS NONE | Copying and duplicating Service code 36 | 8605 SANTA MONICA BLVD LOS ANGELES, CA 90069 | $8K |
| VISION SERVICE PLAN NONE | Claims processing Service code 12 | 11340 WHITE ROCK RD RANCHO CORDOVA, CA 95742 | $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 | 481 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 167 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 648 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 648 | $10.7M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,701 | $10.8M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 648 | $10.8M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 648 | $10.7M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 648 | $10.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,701 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.