| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MACQUEEN & ASSOCIATES LLC3 | 2191 12 MILE ROAD BERKLEY, MI 480721825 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $24K | $7K | $31K | 12.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 NONE KNOWN | Direct payment from the plan; Other fees; Claims processing; Float revenue Service code 12 | — | $4.2M |
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE KNOWN | Direct payment from the plan; Claims processing; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Float revenue; Insurance services; Contract Administrator Service code 12 | — | $1.2M |
| SULLIVAN, WARD, ASHER AND PATTON PC EIN 38-1880608 NONE KNOWN | Legal; Direct payment from the plan Service code 29 | — | $179K |
| STEFANSKY, HOLLOWAY & NICHOLS, INC. EIN 38-2388845 NONE KNOWN | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $96K |
| DENTAL DENTAL OF MICHIGAN EIN 38-1791480 NONE KNOWN | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $88K |
| DENNIS KRAMER EIN 38-6056780 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $76K |
| BENESYS, INC. EIN 38-2383171 NONE KNOWN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $75K |
| THE SEGAL COMPANY EIN 13-1975125 NONE KNOWN | Actuarial; Consulting (general); Insurance agents and brokers; Direct payment from the plan Service code 11 | — | $60K |
| PLANTE & MORAN, PLLC EIN 38-1357951 NONE KNOWN | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $46K |
| JANET REITZEL EIN 38-6056780 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $27K |
| GREGORIO MARCO, LTD EIN 36-4028033 NONE KNOWN | Legal; Direct payment from the plan Service code 29 | — | $22K |
| GALLAGHER FIDUCIARY ADVISORS, LLC EIN 36-4291971 NONE KNOWN | Consulting (pension); Investment advisory (plan); Direct payment from the plan Service code 17 | — | $20K |
| GOLDEN DENTAL EIN 38-2724203 NONE KNOWN | Claims processing; Direct payment from the plan Service code 12 | — | $13K |
| AMERICAN GRAPHICS PRINTING CO EIN 38-2090931 NONE KNOWN | Copying and duplicating; Direct payment from the plan Service code 36 | — | $11K |
| COMERICA BANK EIN 42-1741646 NONE KNOWN | Float revenue; Shareholder servicing fees; Direct payment from the plan; Other services; Other investment fees and expenses Service code 49 | — | $8K |
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 | 2,802 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 335 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 10 | $34K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,730 | $250K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 10 | $34K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | 5,498 | $154K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,730 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,498 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.