| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL C WALKER3 Filed as: MICHAEL G. BUCK | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $13K | — | $13K | 3.51% |
| BENEFIT PARTNERS, LLC DBA SALUS GRP3 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48318 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 44.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Insurance services; Float revenue; Contract Administrator; Claims processing; Other fees Service code 12 | — | $529K |
| TIC INTERNATIONAL EIN 13-2600875 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Accounting (including auditing); Participant communication Service code 10 | — | $119K |
| STEFANSKY, HOLLOWAY, NICHOLS, INC. EIN 38-2388845 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $19K |
| BENDA, GRACE, STULZ & COMPANY PC EIN 38-2284921 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $18K |
| DETROIT CEMENT MASON COLLECTIONS EIN 38-0407375 NONE | Legal; Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $13K |
| WATKINS, PAWLICK, CALATI, & PRIFTI EIN 83-2893229 NONE | Legal; Direct payment from the plan Service code 29 | — | $9K |
| MARQUETTE & ASSOCIATES EIN 36-3485298 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $5K |
| MICHAEL G. BUCK NONE | Insurance brokerage commissions and fees; Non-monetary compensation; Other commissions; Insurance agents and brokers; Other fees Service code 22 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | $0 |
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 | 522 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 532 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 5 | $116K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 506 | $12K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 5 | $116K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 573 | $381K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 506 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 573 | — |
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.