| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENESYS INC5 | 700 TOWER DRIVE SUITE 300 TROY, MI 48098 | HUMANA INSURANCE COMPANY | $54K | — | $54K | 4.25% |
| BENESYS INC5 | 700 TOWER DRIVE SUITE 300 TROY, MI 48098 | HUMANA INSURANCE COMPANY | $18K | — | $18K | 4.36% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 TWELVE MILE RD BERKLEY, MI 48072 | METROPOLITAN LIFE INSURANCE COMPANY | $38K | $75 | $38K | 16.33% |
| BENESYS INC5 | 700 TOWER DRIVE SUITE 300 TROY, MI 48098 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA, INC. | $3K | — | $3K | 4.49% |
| BENESYS INC5 | 700 TOWER DRIVE SUITE 300 TROY, MI 48098 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA, INC. | $2K | — | $2K | 4.15% |
| BENESYS INC5 | 700 TOWER DRIVE SUITE 300 TROY, MI 48098 | HUMANA BENEFIT PLAN OF ILLINOIS, INC. | $100 | — | $100 | 4.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUMANA INSURANCE COMPANY EIN 39-1263473 NONE | Insurance services Service code 23 | 500 WEST MAIN STREET LOUISVILLE, KY 40202 | $1.9M |
| ENVISION PHARMACEUTICAL EIN 05-0570786 NONE | Contract Administrator; Claims processing Service code 12 | 2181 E AURORA RD STE 201 TWINSBURG, OH 44087 | $1.8M |
| ACTIVATE HEALTHCARE LLC EIN 27-0908752 NONE | Contract Administrator; Other services Service code 13 | 6340 NORTH EWING ST. INDIANAPOLIS, IN 46220 | $1.0M |
| BENESYS INC EIN 38-3507129 TPA | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Plan Administrator; Claims processing Service code 12 | 700 TOWER DRIVE SUITE 300 TROY, MI 48098 | $398K |
| METROPOLITAN LIFE INSURANCE CO EIN 13-5581829 NONE | Insurance services Service code 23 | 501 US HIGHWAY 22, 2ND FLOOR BRIDGEWATER, NJ 08807 | $217K |
| UNION LABOR LIFE INSURANCE COMPANY EIN 13-1423090 NONE | Insurance services Service code 23 | 1 STREET NORTHWEST WASHINGTON, DC 20001 | $164K |
| PREMIER HEALTHCARE EXCHANGE EIN 86-1040704 NONE | Contract Administrator Service code 13 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | $74K |
| COFINITY GROUP HEALTH EIN 38-3357687 NONE | Contract Administrator Service code 13 | 2700 MIDWEST DRIVE ONALASKA, WI 546508764 | $62K |
| HEALTH DESIGN ENTERPRISES LLC EIN 38-3607439 NONE | Contract Administrator Service code 13 | 1550 E BELTA LINE SE ADA, MI 48301 | $52K |
| QUEST DIAGNOSTICS EIN 38-1882750 NONE | Other services Service code 49 | 3 GIRALDA FARMS MADISON, NJ 07940 | $45K |
| WORK LIFE STRATEGIES EIN 80-0178558 NONE | Consulting (general) Service code 16 | 26789 WOODWARD AVE STE 105 HUNTINGTON WOODS, MI 48070 | $43K |
| SULLIVAN WARD ASHER AND PATTON PC EIN 38-1880608 NONE | Legal Service code 29 | 25800 NORTHWESTERN HIGHWAY SOUTHFIELD, MI 480751000 | $38K |
| AMERICARE MEDICAL INC. EIN 38-2364792 NONE | Other services Service code 49 | 1938 WOODSLEE DRIVE TROY, MI 48083 | $32K |
| YOUNG AT HEART EIN 46-2865301 NONE | Other services Service code 49 | 101 W. 103RD STREET INDIANAPOLIS, IN 46290 | $29K |
| COLEMAN AND COMPANY EIN 38-3266266 NONE | Consulting (pension) Service code 17 | 144 E 44TH STREET 8TH FLOOR NEW YORK, NY 10017 | $20K |
| MEDTIPSTER EIN 26-2894721 NONE | Contract Administrator Service code 13 | 24370 NORTHWESTERN HIGHWAY STE 250 SOUTHFIELD, MI 480751000 | $16K |
| SVS VISION MANAGED CARE INC EIN 38-2056164 NONE | Insurance services Service code 23 | 118 CASS AVE MT. CLEMENS, MI 48043 | $15K |
| MACQUEEN INSURANCE GROUP EIN 20-0495393 NONE | Insurance services Service code 23 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | $14K |
| WALTER BOESKY AND ASSOCIATES PC EIN 38-3629743 NONE | Accounting (including auditing) Service code 10 | 17320 W 12 MILE RD SUITE 200 SOUTHFIELD, MI 48076 | $12K |
| MORGAN STANLEY SMITH BARNEY EIN 13-2655998 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | 4000 TOWN CENTER SUITE 1800 SOUTHFIELD, MI 480751000 | $11K |
| AMERICAN GRAPHICS INC EIN 38-2090031 NONE | Copying and duplicating Service code 36 | 34895 GROSEBECK HIGHWAY CLINTON TOWNSHIP, MI 48035 | $11K |
| THE SEGAL COMPANY INC. EIN 13-1975125 NONE | Actuarial Service code 11 | 101 NORTH WACKER DRIVE SUITE 500 CHICAGO, IL 60606 | $10K |
| HUMPHREY PRINTING EIN 35-1172904 NONE | Copying and duplicating Service code 36 | 315 NORTH MAIN STREET KOKOMO, IN 46901 | $8K |
| INTERNATIONAL FOUNDATION EIN 39-1034021 NONE | Other fees Service code 99 | 18700 W. BLUEMOUND ROAD BROOKFIELD, WI 53045 | $7K |
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 | 762 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 740 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,502 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 4 carriers) | HUMANA INSURANCE COMPANY | 521 | $1.8M |
| Vision | SVS VISION MANAGED CARE INC | 172 | $15K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,300 | $233K |
| Stop-loss / reinsurancereinsurance | UNION LABOR LIFE INSURANCE COMPANY | 818 | $179K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,300 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,300 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.