| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DARRIS FRANK GAROUFALIS3 | 700 TOWER DR STE 300 TROY, MI 480982835 | BLUE CARE NETWORK OF MICHIGAN | $25K | $362 | $25K | 3.74% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 12 MILE ROAD BERKLEY, MI 480721825 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $35K | $14K | $49K | 10.27% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 12 MILE ROAD BERKLEY, MI 480721825 | THE UNION LABOR LIFE INSURANCE COMPANY | $39K | — | $39K | 9.36% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 12 MILE ROAD BERKLEY, MI 480721825 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 11.00% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 12 MILE ROAD BERKLEY, MI 480721825 | KANSAS CITY LIFE INSURANCE COMPANY | $1K | — | $1K | 25.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE KNOWN | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Claims processing; Direct payment from the plan; Float revenue; Insurance services; Consulting (general) Service code 12 | — | $1.4M |
| BENESYS, INC. EIN 38-2383171 NONE KNOWN | Direct payment from the plan; Plan Administrator Service code 14 | — | $370K |
| HORIZON ACTUARIAL SERVICES, LLC. EIN 26-1370698 NONE KNOWN | Actuarial; Consulting (general); Direct payment from the plan Service code 11 | — | $230K |
| LITTLER MENDELSON PC EIN 94-2602731 NONE KNOWN | Legal; Direct payment from the plan Service code 29 | — | $183K |
| OPTUM RX INC. EIN 33-0441200 NONE KNOWN | Direct payment from the plan; Other fees; Float revenue; Claims processing Service code 12 | — | $125K |
| PLANTE & MORAN, PLLC EIN 38-1357951 NONE KNOWN | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $98K |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 NONE KNOWN | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $89K |
| HESSIAN & MCKASY, P.A. EIN 20-1551306 NONE KNOWN | Legal; Direct payment from the plan Service code 29 | — | $52K |
| COMERICA BANK EIN 42-1741646 NONE KNOWN | Float revenue; Direct payment from the plan; Other services; Other investment fees and expenses; Shareholder servicing fees Service code 49 | — | $50K |
| NATIONAL INVESTMENT SERVICES OF AME EIN 84-3937993 NONE KNOWN | Investment management fees paid directly by plan; Direct payment from the plan; Investment management Service code 28 | — | $50K |
| JAFFE COUNSEL PLC NONE KNOWN | Legal; Direct payment from the plan Service code 29 | 1240 DORCHESTER ROAD BIRMINGHAM, MI 48009 | $38K |
| AMERICAN GRAPHICS PRINTING CO NONE KNOWN | Copying and duplicating; Direct payment from the plan Service code 36 | 34895 GROESBECK HWY CLINTON TWP, MI 48035 | $37K |
| 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 | $21K |
| DENCAP DENTAL PLANS, INC EIN 38-2587320 NONE KNOWN | Insurance services; Direct payment from the plan Service code 23 | — | $13K |
| BOYD WATTERSON ASSET MGMT, LLC EIN 34-1922005 NONE KNOWN | Investment management fees paid directly by plan; Direct payment from the plan; Investment management Service code 28 | — | $13K |
| NEPC, LLC EIN 26-1429809 NONE KNOWN | Direct payment from the plan; Consulting (pension) Service code 17 | — | $10K |
| MARSH & MCLENNAN AGENCY, LLC EIN 26-3237576 NONE KNOWN | Insurance services; Insurance agents and brokers Service code 22 | — | $2K |
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 | 2,103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 207 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,310 | 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 | 256 | $2.0M |
| Vision | HERITAGE VISION PLANS INC | 144 | $17K |
| Life insurance(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,924 | $511K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 71 | $4K |
| Prescription drug(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 256 | $2.0M |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,029 | $413K |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,924 | $540K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,029 | — |
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.