| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATION BENEFITS CO3 Filed as: ASSOCIATION BENEFITS CO. | 24600 NORTHWESTERN HIGHWAY SOUTHFIELD, MI 48075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $11K | $11K | 3.90% |
| MICHAEL C WALKER3 Filed as: MICHAEL G. BUCK | 24600 NORTHWESTERN HIGHWAY SOUTHFIELD, MI 48075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $11K | — | $11K | 3.89% |
| KEVIN E. COUNIHAN3 | 1510 ASFORD LANE BIRMINGHAM, MI 480094842 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 19.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE | 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 | — | $348K |
| TIC INTERNATIONAL EIN 13-2600875 NONE | Accounting (including auditing); Participant communication; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 10 | — | $109K |
| MICHAEL G. BUCK NONE | Other commissions; Insurance brokerage commissions and fees; Non-monetary compensation; Insurance agents and brokers Service code 22 | 24600 NORHTWESTERN HWY. SOUTHFIELD, MI 48076 | $45K |
| DETROIT CEMENT MASONS COLLECTIONS EIN 38-0407375 NONE | Accounting (including auditing); Legal; Direct payment from the plan Service code 10 | — | $26K |
| SACHS WALDMAN, PROFESSIONAL CORP EIN 38-1905521 ATTORNEY FOR LOCAL 514 | Legal; Direct payment from the plan Service code 29 | — | $22K |
| STEFANSKY, HOLLOWAY, NICHOLS, INC. EIN 38-2388845 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $17K |
| BENDA, GRACE, STULZ & COMPANY PC EIN 38-2284921 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $15K |
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 | 520 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 524 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 4 | $33K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 474 | $9K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 4 | $33K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 520 | $274K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 474 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 520 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.