| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| T M R & ASSOCIATES, INC.3 | 601 ABBOTT STREET DETROIT, MI 48226 | HUMANA INSURANCE COMPANY | $34K | — | $34K | 2.23% |
| BENESYS INC5 Filed as: BENESYS, INC. | 700 TOWER DRIVE, SUITE 300 TROY, MI 48098 | HUMANA INSURANCE COMPANY | $34K | — | $34K | 2.22% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 TWELVE MILE RD BERKLEY, MI 48072 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $26 | $27K | 10.10% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 TWELVE MILE RD BERKLEY, MI 48072 | UNION LABOR LIFE INSURANCE COMPANY | $12K | — | $12K | 6.29% |
| BENESYS INC5 Filed as: BENESYS, INC. | 700 TOWER DRIVE, SUITE 300 TROY, MI 48098 | HUMAN INSURANCE COMPANY | $200 | — | $200 | 3.43% |
| T M R & ASSOCIATES, INC.3 | 601 ABBOTT STREET DETROIT, MI 48226 | HUMAN INSURANCE COMPANY | $200 | — | $200 | 3.43% |
| BENESYS INC5 Filed as: BENESYS, INC. | 700 TOWER DRIVE, SUITE 300 TROY, MI 48098 | HUMANA BENEFIT PLAN OF ILLINOIS, INC | $50 | — | $50 | 1.97% |
| T M R & ASSOCIATES, INC.3 | 601 ABBOTT STREET DETROIT, MI 48226 | HUMANA BENEFIT PLAN OF ILLINOIS, INC | $50 | — | $50 | 1.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MAGELLAN RX MANAGEMENT EIN 46-3708039 NONE | Other fees; Claims processing; Direct payment from the plan Service code 12 | PO BOX 783053 PHILADELPHIA, PA 19178 | $1.9M |
| HUMANA INSURANCE COMPANY EIN 39-1263473 NONE | Direct payment from the plan; Insurance services Service code 23 | 500 WEST MAIN STREET LOUISVILLE, KY 40202 | $1.5M |
| ACTIVATE HEALTHCARE LLC EIN 27-0908752 NONE | Direct payment from the plan; Contract Administrator; Other services Service code 13 | 6340 NORTH EWING ST INDIANAPOLIS, IN 46220 | $695K |
| BENESYS, INC. EIN 38-3507129 NONE | Claims processing; Plan Administrator; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 12 | 700 TOWER DRIVE SUITE 300 TROY, MI 48098 | $407K |
| METROPOLITAN LIFE INSURANCE CO. EIN 13-5581829 NONE | Insurance services; Direct payment from the plan Service code 23 | 501 US HIGHWAY 22, 2ND FL BRIDGEWATER, NJ 08807 | $265K |
| UNION LABOR LIFE INSURANCE COMPANY EIN 13-1423090 NONE | Direct payment from the plan; Insurance services Service code 23 | 1 STREET NORTHWEST WASHINGTON, DC 20001 | $184K |
| HAP PREFERRED, INC. EIN 38-2513504 NONE | Direct payment from the plan; Insurance services Service code 23 | 2850 W GRAND BLVD DETROIT, MI 48202 | $145K |
| HEALTH PLAN ADVOCATE EIN 38-3607439 NONE | Consulting (general); Direct payment from the plan Service code 16 | 1550 EAST BELTLINE STE175 GRAND RAPIDS, MI 49506 | $107K |
| ZELIS EIN 86-1040704 NONE | Direct payment from the plan; Consulting (general) Service code 16 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | $76K |
| SULLIVAN WARD ASHER AND PATTON PC EIN 38-1880608 NONE | Legal; Direct payment from the plan Service code 29 | 25800 NORTHWESTERN HWY SOUTHFIELD, MI 48075 | $50K |
| YOUNG AT HEART EIN 46-2865301 NONE | Direct payment from the plan; Other services Service code 49 | 101 W. 103RD STREET INDIANAPOLIS, IN 46290 | $49K |
| WORK LIFE STRATEGIES EIN 80-0178558 NONE | Direct payment from the plan; Consulting (general) Service code 16 | 26789 WOODWARD AVE STE105 HUNTINGTON WOODS, MI 48070 | $46K |
| HEALTH DESIGN ENTERPRISES LLC EIN 38-3607439 NONE | Direct payment from the plan; Contract Administrator Service code 13 | 1550 E BELTA LINE SE ADA, MI 48301 | $44K |
| AMERICARE MEDICAL INC. EIN 38-2364792 NONE | Direct payment from the plan; Other services Service code 49 | 1938 WOODSLEE DRIVE TROY, MI 48083 | $38K |
| QUEST DIAGNOSTICS EIN 38-1882750 NONE | Direct payment from the plan; Other services Service code 49 | 3 GIRALDA FARMS MADISON, NJ 07940 | $30K |
| NATIONAL INVESTMENT SERVICES EIN 80-0169636 NONE | Direct payment from the plan; Investment management Service code 28 | 777 E WISCONSIN AVE 2350 MILWAUKEE, WI 53202 | $29K |
| COLEMAN AND COMPANY LLC EIN 38-3266266 NONE | Direct payment from the plan; Consulting (pension) Service code 17 | 144 E 44TH STREET 8TH FLR NEW YORK, NY 10017 | $27K |
| COFINITY GROUP HEALTH EIN 38-3357687 NONE | Direct payment from the plan; Contract Administrator Service code 13 | 2700 MIDWEST DRIVE ONALASKA, WI 546508764 | $27K |
| AMERICAN GRAPHICS PRINTING CO. EIN 38-2090031 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | 34895 GROESBECK HIGHWAY CLINTON TOWNSHIP, MI 48035 | $26K |
| STRATEGIC CAPITAL INVESTMENT EIN 36-4268991 NONE | Investment advisory (plan); Other investment fees and expenses; Direct payment from the plan Service code 27 | 720 E BUTTERFIELD RD LOMBARD, IL 60148 | $19K |
| MACQUEEN INSURANCE GROUP EIN 20-0495393 NONE | Direct payment from the plan; Insurance services Service code 23 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | $16K |
| SVS VISION MANAGED CARE INC. EIN 38-2056164 NONE | Direct payment from the plan; Insurance services Service code 23 | 118 CASS AVE MT. CLEMENS, MI 48043 | $14K |
| MEDTIPSTER EIN 26-2894721 NONE | Direct payment from the plan; Contract Administrator Service code 13 | 24370 NORTHWESTERN HWY SOUTHFIELD, MI 480751000 | $14K |
| WALTER BOESKY AND ASSOCIATES PC EIN 38-3629743 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 17320 W 12 MILE RD ST 200 SOUTHFIELD, MI 48076 | $12K |
| THE SEGAL COMPANY INC. EIN 13-1975125 NONE | Actuarial; Direct payment from the plan Service code 11 | 101 NORTH WACKER DRIVE CHICAGO, IL 60606 | $10K |
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 | 808 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 481 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 650 | $1.7M |
| Vision | SVS VISION MANAGED CARE INC | 176 | $14K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,340 | $269K |
| Stop-loss / reinsurancereinsurance | UNION LABOR LIFE INSURANCE COMPANY | 564 | $184K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,340 | $269K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,340 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.