| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL C WALKER3 Filed as: MICHAEL G. BUCK | — | BLUE CROSS BLUE SHIELD OF MICHIGAN | $15K | — | $15K | 2.22% |
| MICHAEL C WALKER3 Filed as: MICHAEL G. BUCK | — | BLUE CROSS BLUE SHIELD OF MICHIGAN | $6K | $22K | $28K | 15.88% |
| MACQUEEN & ASSOCIATES LLC3 Filed as: MACQUEEN& ASSOCIATES LLC | — | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 15.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 38-2069753 NONE KNOWN | Other fees; Direct payment from the plan; Contract Administrator; Non-monetary compensation; Claims processing; Insurance services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general) Service code 12 | — | $321K |
| TIC INTERNATIONAL CORPORATION EIN 13-2600875 NONE KNOWN | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Copying and duplicating; Other fees; Other services; Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $67K |
| SULLIVAN, WARD, ASHER & PATTON PC NONE KNOWN | Legal; Direct payment from the plan Service code 29 | 25800 NORTHWESTERN HWY. #1000 SOUTHFIELD, MI 480758412 | $16K |
| STRATEGIC CAPITAL ADVISORS EIN 36-4268991 NONE KNOWN | Direct payment from the plan; Actuarial Service code 11 | — | $16K |
| FIFTH THIRD BANK NONE KNOWN | Other services; Other fees; Copying and duplicating; Direct payment from the plan Service code 36 | P.O.BOX 630900 CINCINNATI, OH 452630900 | $13K |
| WRUBEL WESLEY AND COMPANY C.P.A.'S EIN 38-2574238 NONE KNOWN | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $10K |
| UNITED ACTUARIAL SERVICES INC. EIN 35-2156428 NONE KNOWN | Actuarial; Direct payment from the plan; Other fees Service code 11 | — | $9K |
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 | 362 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 130 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 492 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 147 | $706K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 471 | $57K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 147 | $706K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 350 | $178K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 471 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 471 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.