| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MACQUEEN & ASSOCIATES LLC3 | 2191 12 MILE ROAD BERKLEY, MI 480721825 | THE UNION LABOR LIFE INSURANCE COMPANY | $39K | — | $39K | 5.92% |
| DARRIS FRANK GAROUFALIS3 | 700 TOWER DR STE 300 TROY, MI 480982835 | BLUE CARE NETWORK OF MICHIGAN | $22K | — | $22K | 3.67% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 12 MILE ROAD BERKLEY, MI 480721825 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $34K | — | $34K | 7.34% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 12 MILE ROAD BERKLEY, MI 480721825 | KANSAS CITY LIFE INSURANCE COMPANY | $833 | — | $833 | 7.79% |
| DONALD P POBUDA3 | 6939 ANTHONY ST KALAMAZOO, MI 49009 | KANSAS CITY LIFE INSURANCE COMPANY | $162 | — | $162 | 1.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE KNOWN | Claims processing; Contract Administrator; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Insurance services; Other fees; Direct payment from the plan Service code 12 | — | $1.5M |
| BENESYS, INC. EIN 38-2383171 NONE KNOWN | Direct payment from the plan; Plan Administrator Service code 14 | — | $344K |
| LITTLER MENDELSON, P.C. EIN 94-2602731 NONE KNOWN | Legal; Direct payment from the plan Service code 29 | — | $164K |
| HORIZON ACTUARIAL SERVICES, LLC. EIN 26-1370698 NONE KNOWN | Actuarial; Consulting (general); Direct payment from the plan Service code 11 | — | $142K |
| PLANTE & MORAN, PLLC EIN 38-1357951 NONE KNOWN | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $138K |
| HESSIAN & MCKASY, P.A. EIN 20-1551306 NONE KNOWN | Legal; Direct payment from the plan Service code 29 | — | $132K |
| OPTUMRX, INC. EIN 33-0441200 NONE KNOWN | Direct payment from the plan; Claims processing; Other fees; Float revenue Service code 12 | — | $122K |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 NONE KNOWN | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $89K |
| NATIONAL INVESTMENT SERVICES OF AME EIN 84-3937993 NONE KNOWN | Investment management fees paid directly by plan; Investment management; Direct payment from the plan Service code 28 | — | $55K |
| 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 | $48K |
| 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 | — | $40K |
| ASHERKELLY EIN 84-3379113 NONE KNOWN | Legal; Direct payment from the plan Service code 29 | — | $31K |
| AMERICAN GRAPHICS PRINTING CO NONE KNOWN | Copying and duplicating; Direct payment from the plan Service code 36 | 34895 GROESBECK HWY CLINTON TWP, MI 48035 | $28K |
| BOYD WATTERSON ASSET MGMT, LLC EIN 34-1922005 NONE KNOWN | Investment management; Investment management fees paid directly by plan; Direct payment from the plan Service code 28 | — | $22K |
| NEPC, LLC EIN 26-1429809 NONE KNOWN | Consulting (pension); Direct payment from the plan Service code 17 | — | $11K |
| GOLDEN DENTAL PLANS EIN 38-2724203 NONE KNOWN | Direct payment from the plan; Insurance services 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 | 2,021 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 219 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,240 | 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 | 283 | $2.1M |
| Vision | HERITAGE VISION PLANS INC | 148 | $13K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,887 | $480K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 78 | $11K |
| Prescription drug(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 283 | $2.1M |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,960 | $653K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,887 | $516K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,960 | — |
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.