| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MACQUEEN & ASSOCIATES LLC3 | 2191 12 MILE ROAD BERKLEY, MI 480721825 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $20K | $673 | $21K | 10.33% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 12 MILE ROAD BERKLEY, MI 480721825 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | — | $5K | 8.00% |
| 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 | — | $4.7M |
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE KNOWN | Consulting (general); Claims processing; Direct payment from the plan; Contract Administrator; Other fees; Insurance services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $1.5M |
| BENESYS, INC. EIN 38-2383171 NONE KNOWN | Direct payment from the plan; Plan Administrator Service code 14 | — | $234K |
| STEFANSKY, HOLLOWAY & NICHOLS, INC. EIN 38-2388845 NONE KNOWN | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $97K |
| HESSIAN & MCKASY, P.A. EIN 20-1551306 NONE KNOWN | Legal; Direct payment from the plan Service code 29 | — | $95K |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 NONE KNOWN | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $87K |
| SULLIVAN, WARD, ASHER AND PATTON PC EIN 38-1880608 NONE KNOWN | Legal; Direct payment from the plan Service code 29 | — | $64K |
| PLANTE & MORAN, PLLC EIN 38-1357951 NONE KNOWN | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $56K |
| THE SEGAL COMPANY | Consulting (general) Service code 16 | — | $29K |
| THE SEGAL COMPANY (MIDWEST) EIN 13-1975125 NONE KNOWN | Consulting (general); Direct payment from the plan; Actuarial; Insurance agents and brokers Service code 11 | — | $28K |
| DENNIS KRAMER EIN 38-6056780 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $26K |
| AMERICAN GRAPHICS PRINTING CO EIN 38-2090931 NONE KNOWN | Direct payment from the plan; Copying and duplicating Service code 36 | — | $19K |
| NATIONAL INVESTMENT SERVICES, INC. EIN 80-0169636 NONE KNOWN | Investment management; Investment management fees paid directly by plan; Direct payment from the plan Service code 28 | — | $14K |
| THE UNION LABOR LIFE INS CO EIN 13-1423090 NONE KNOWN | Insurance services; Direct payment from the plan Service code 23 | — | $13K |
| GOLDEN DENTAL PLANS EIN 38-2724203 NONE KNOWN | Insurance services; Direct payment from the plan Service code 23 | — | $12K |
| NEPC, LLC EIN 26-1429809 NONE KNOWN | Direct payment from the plan; Consulting (pension) Service code 17 | — | $10K |
| COMERICA BANK EIN 42-1741646 NONE KNOWN | Direct payment from the plan; Other investment fees and expenses; Other services; Shareholder servicing fees; Float revenue Service code 49 | — | $7K |
| MARSH & MCLENNAN AGENCY EIN 36-1436000 NONE KNOWN | Insurance agents and brokers; Insurance services Service code 22 | — | $3K |
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 | 1,928 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 357 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 12 | $27K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,894 | $266K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 12 | $27K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,325 | $528K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,894 | $293K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,325 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.