| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MACQUEEN & ASSOCIATES LLC3 | 2191 12 MILE ROAD BERKLEY, MI 480721825 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23K | — | $23K | 10.00% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 12 MILE ROAD BERKLEY, MI 480721825 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE KNOWN | Claims processing; Direct payment from the plan; Consulting (general); Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Insurance services; Other fees Service code 12 | — | $1.3M |
| SULLIVAN, WARD, ASHER AND PATTON PC EIN 38-1880608 NONE KNOWN | Legal; Direct payment from the plan Service code 29 | — | $104K |
| STEFANSKY, HOLLOWAY & NICHOLS, INC. EIN 38-2388845 NONE KNOWN | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $87K |
| ENVISION PHARMACEUTICAL SVS, INC EIN 90-1011712 NONE KNOWN | Direct payment from the plan; Claims processing Service code 12 | — | $87K |
| THE SEGAL COMPANY EIN 13-1975125 NONE KNOWN | Consulting (general); Actuarial; Direct payment from the plan Service code 11 | — | $80K |
| DENNIS KRAMER EIN 38-6056780 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $74K |
| BENESYS, INC. EIN 38-2383171 NONE KNOWN | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $72K |
| GOLDMAN SACHS ASSET MANAGEMENT EIN 13-3575636 NONE KNOWN | Investment management fees paid indirectly by plan; Direct payment from the plan; Sub-transfer agency fees; Investment management; Distribution (12b-1) fees; Soft dollars commissions; Investment management fees paid directly by plan Service code 28 | — | $49K |
| PIMCO EIN 33-0629048 NONE KNOWN | Investment management; Investment management fees paid directly by plan; Investment management fees paid indirectly by plan; Direct payment from the plan Service code 28 | — | $41K |
| PLANTE & MORAN, PLLC EIN 38-1357951 NONE KNOWN | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $38K |
| WELLINGTON MANAGEMENT CO LLP EIN 04-2755549 NONE KNOWN | Investment management fees paid indirectly by plan; Direct payment from the plan; Investment management fees paid directly by plan; Investment management Service code 28 | — | $28K |
| JANET REITZEL EIN 38-6056780 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $27K |
| GOLDEN DENTAL EIN 38-2724203 NONE KNOWN | Claims processing; Direct payment from the plan Service code 12 | — | $17K |
| AMERICAN GRAPHICS PRINTING CO EIN 38-2090931 NONE KNOWN | Copying and duplicating; Direct payment from the plan Service code 36 | — | $15K |
| GALLAGHER FIDUCIARY ADVISORS, LLC EIN 36-4291971 NONE KNOWN | Investment advisory (plan); Direct payment from the plan; Consulting (general) Service code 16 | — | $15K |
| COMERICA BANK EIN 42-1741646 NONE KNOWN | Float revenue; Other investment fees and expenses; Other services; Direct payment from the plan; Shareholder servicing fees Service code 49 | — | $13K |
| WRUBEL, WESLEY & COMPANY CPA'S NONE KNOWN | Direct payment from the plan; Accounting (including auditing) Service code 10 | 31731 NORTHWESTERN HWY., SUITE 255 FARMINGTON HILS, ME 48334 | $10K |
| THE VANGUARD GROUP, INC. EIN 23-1945930 NONE KNOWN | Soft dollars commissions; Investment management fees paid directly by plan; Investment management; Investment management fees paid indirectly by plan; Direct payment from the plan Service code 28 | — | $2K |
| BAYVIEW INS GROUP DBA UNION SERVICE EIN 38-3297465 NONE KNOWN | Insurance brokerage commissions and fees Service code 53 | — | $0 |
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 | 1,832 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 428 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 75 | $188K |
| Dental | DELTA DENTAL OF MICHIGAN | 5,649 | $1.7M |
| Vision | BLUE CARE NETWORK OF MICHIGAN | 75 | $188K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,837 | $293K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 75 | $188K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | 5,420 | $134K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,837 | $481K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,649 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.