| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KIMBERLY ANN WIXSON3 | 3001 WEST BIG BEAVER ROAD STE TROY, MI 480848084 | BLUE CARE NETWORK OF MICHIGAN | $19K | — | $19K | 2.42% |
| DARRIS FRANK GAROUFALIS3 | 700 TOWER DR STE 300 TROY, MI 480982835 | BLUE CARE NETWORK OF MICHIGAN | $15K | — | $15K | 1.96% |
| SEGALL COMPANY (MIDWEST) INC3 | 101 NORTH WACKER DR #500 CHICAGO, IL 606060606 | BLUE CARE NETWORK OF MICHIGAN | — | $432 | $432 | 0.05% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 12 MILE ROAD BERKLEY, MI 480721825 | THE UNION LABOR LIFE INSURANCE COMPANY | $38K | — | $38K | 7.50% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 12 MILE ROAD BERKLEY, MI 480721825 | AMERICAN UNITED LIFE INSURANCE COMPANY | $26K | — | $26K | 6.24% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 12 MILE ROAD BERKLEY, MI 480721825 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 8.00% |
| DONALD P POBUDA3 | 6939 ANTHONY ST KALAMAZOO, MI 49009 | KANSAS CITY LIFE INSURANCE COMPANY | $1K | — | $1K | 11.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 NONE KNOWN | Other fees; Float revenue; Direct payment from the plan; Claims processing Service code 12 | — | $5.4M |
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE KNOWN | Float revenue; Insurance services; Contract Administrator; Other fees; Direct payment from the plan; Claims processing; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $1.4M |
| BENESYS, INC. EIN 38-2383171 NONE KNOWN | Direct payment from the plan; Plan Administrator Service code 14 | — | $360K |
| HORIZON ACTUARIAL SERVICES, LLC. EIN 26-1370698 NONE KNOWN | Actuarial; Direct payment from the plan; Consulting (general) Service code 11 | — | $124K |
| LITTLER MENDELSON, P.C. EIN 94-2602731 NONE KNOWN | Legal; Direct payment from the plan Service code 29 | — | $118K |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 NONE KNOWN | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $91K |
| STEFANSKY, HOLLOWAY & NICHOLS, INC. NONE KNOWN | Accounting (including auditing); Direct payment from the plan Service code 10 | 22260 HAGGERTY RD SUITE 350 NORTHVILLE, MI 48167 | $78K |
| COMERICA BANK EIN 42-1741646 NONE KNOWN | Other investment fees and expenses; Direct payment from the plan; Other services; Float revenue; Shareholder servicing fees Service code 49 | — | $69K |
| HESSIAN & MCKASY, P.A. EIN 20-1551306 NONE KNOWN | Legal; Direct payment from the plan Service code 29 | — | $62K |
| NATIONAL INVMNT SERV OF AMERICA LLC EIN 84-3937993 NONE KNOWN | Direct payment from the plan; Investment management; Investment management fees paid directly by plan Service code 28 | — | $56K |
| PLANTE & MORAN, PLLC EIN 38-1357951 NONE KNOWN | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $52K |
| ASHERKELLY EIN 84-3379113 NONE KNOWN | Legal; Direct payment from the plan Service code 29 | — | $36K |
| AMERICAN GRAPHICS PRINTING CO NONE KNOWN | Copying and duplicating; Direct payment from the plan Service code 36 | 34895 GROESBECK HWY CLINTON TWP, MI 48035 | $25K |
| BOYD WATTERSON ASSET MGMT, LLC EIN 34-1922005 NONE KNOWN | Investment management; Direct payment from the plan; Investment management fees paid directly by plan Service code 28 | — | $24K |
| NEPC, LLC EIN 26-1429809 NONE KNOWN | Direct payment from the plan; Consulting (pension) Service code 17 | — | $11K |
| GOLDEN DENTAL PLANS EIN 38-2724203 NONE KNOWN | Insurance services; Direct payment from the plan Service code 23 | — | $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 | 2,107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 252 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 312 | $2.6M |
| Vision | HERITAGE VISION PLANS INC | 152 | $3K |
| Life insurance(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,972 | $550K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 78 | $9K |
| Prescription drug(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 312 | $2.6M |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,066 | $511K |
| Other(4 contracts, 4 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,972 | $594K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,066 | — |
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."
No prospect flags tripped on this filing.