| 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 | $32K | $394 | $32K | 3.95% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 12 MILE ROAD BERKLEY, MI 480721825 | THE UNION LABOR LIFE INSURANCE COMPANY | $41K | — | $41K | 6.35% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 12 MILE ROAD BERKLEY, MI 480721825 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $47K | $11K | $58K | 15.34% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 12 MILE ROAD BERKLEY, MI 480721825 | KANSAS CITY LIFE INSURANCE COMPANY | $951 | — | $951 | 11.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE KNOWN | Direct payment from the plan; Claims processing; Other fees; Insurance services; Contract Administrator; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue Service code 12 | — | $1.5M |
| BENESYS, INC. EIN 38-2383171 NONE KNOWN | Direct payment from the plan; Plan Administrator Service code 14 | — | $364K |
| HORIZON ACTUARIAL SERVICES, LLC. EIN 26-1370698 NONE KNOWN | Consulting (general); Direct payment from the plan; Actuarial Service code 11 | — | $363K |
| LITTLER MENDELSON PC EIN 94-2602731 NONE KNOWN | Legal; Direct payment from the plan Service code 29 | — | $238K |
| OPTUM RX INC. EIN 33-0441200 NONE KNOWN | Direct payment from the plan; Other fees; Float revenue; Claims processing Service code 12 | — | $144K |
| PLANTE & MORAN, PLLC EIN 33-1498605 NONE KNOWN | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $112K |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 NONE KNOWN | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $92K |
| ASHERKELLY EIN 38-3379113 NONE KNOWN | Legal; Direct payment from the plan Service code 29 | — | $69K |
| 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 | — | $63K |
| COMERICA BANK EIN 42-1741646 NONE KNOWN | Other services; Shareholder servicing fees; Float revenue; Other investment fees and expenses; Direct payment from the plan Service code 49 | — | $58K |
| TAFT STETTINIUS & HOLLISTER LLP EIN 31-0541755 NONE KNOWN | Legal; Direct payment from the plan Service code 29 | — | $56K |
| AMERICAN GRAPHICS PRINTING CO NONE KNOWN | Direct payment from the plan; Copying and duplicating Service code 36 | 34895 GROESBECK HWY CLINTON TWP, MI 48035 | $35K |
| ACCRETIVE GLBL INS PART D ADVISORS EIN 85-3689655 NONE KNOWN | Direct payment from the plan; Consulting (general) Service code 16 | — | $23K |
| 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 | $19K |
| BOYD WATTERSON ASSET MGMT, LLC EIN 34-1922005 NONE KNOWN | Direct payment from the plan; Investment management; Investment management fees paid directly by plan Service code 28 | — | $9K |
| HESSIAN & MCKASY, P.A. EIN 20-1551306 NONE KNOWN | Legal; Direct payment from the plan Service code 29 | — | $8K |
| KATHRYN A VANDAGENS, PLC NONE KNOWN | Legal; Direct payment from the plan Service code 29 | PO BOX 27383 LANSING, MI 48909 | $6K |
| NEPC, LLC EIN 26-1429809 NONE KNOWN | Consulting (pension); Direct payment from the plan Service code 17 | — | $6K |
| 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 | 2,163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 191 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,354 | 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 | 237 | $2.0M |
| Dental | DENCAP DENTAL PLANS, INC | 148 | $27K |
| Vision | HERITAGE VISION PLANS INC | 132 | $19K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,007 | $389K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 68 | $8K |
| Prescription drug(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 237 | $2.0M |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,121 | $654K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,007 | $413K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,121 | — |
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.