| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENESYS INC5 Filed as: BENESYS, INC. | 700 TOWER DRIVE, SUITE 300 TROY, MI 48098 | HUMANA INSURANCE COMPANY | $35K | — | $35K | 2.16% |
| T M R & ASSOCIATES, INC.3 | 601 ABBOTT STREET DETROIT, MI 48226 | HUMANA INSURANCE COMPANY | $35K | — | $35K | 2.16% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 TWELVE MILE RD BERKLEY, MI 48072 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | — | $30K | 9.21% |
| BENESYS INC5 Filed as: BENESYS, INC. | 700 TOWER DRIVE, SUITE 300 TROY, MI 48098 | HUMANA BENEFIT PLAN OF ILLINOIS, INC | $350 | — | $350 | 5.52% |
| T M R & ASSOCIATES, INC.3 | 601 ABBOTT STREET DETROIT, MI 48226 | HUMANA BENEFIT PLAN OF ILLINOIS, INC | $350 | — | $350 | 5.52% |
| BENESYS INC5 Filed as: BENESYS, INC. | 700 TOWER DRIVE, SUITE 300 TROY, MI 48098 | HUMAN INSURANCE COMPANY | $150 | — | $150 | — |
| T M R & ASSOCIATES, INC.3 | 601 ABBOTT STREET DETROIT, MI 48226 | HUMAN INSURANCE COMPANY | $150 | — | $150 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MAGELLAN RX MANAGEMENT EIN 46-3708039 NONE | Direct payment from the plan; Other fees; Claims processing Service code 12 | PO BOX 783053 PHILADELPHIA, PA 19178 | $2.0M |
| HUMANA INSURANCE COMPANY EIN 39-1263473 NONE | Insurance services; Direct payment from the plan Service code 23 | 500 WEST MAIN STREET LOUISVILLE, KY 40202 | $1.8M |
| BENESYS, INC. EIN 38-3507129 NONE | Plan Administrator; Claims processing; Contract Administrator; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 700 TOWER DRIVE SUITE 300 TROY, MI 48098 | $394K |
| 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 | $302K |
| HAP PREFERRED, INC. EIN 38-2513504 NONE | Insurance services; Direct payment from the plan Service code 23 | 2850 W GRAND BLVD DETROIT, MI 48202 | $190K |
| UNION LABOR LIFE INSURANCE COMPANY EIN 13-1423090 NONE | Insurance services; Direct payment from the plan Service code 23 | 1 STREET NORTHWEST WASHINGTON, DC 20001 | $181K |
| HEALTH PLAN ADVOCATE EIN 38-3607439 NONE | Direct payment from the plan; Consulting (general) Service code 16 | 1550 EAST BELTLINE STE175 GRAND RAPIDS, MI 49506 | $121K |
| ZELIS EIN 86-1040704 NONE | Direct payment from the plan; Consulting (general) Service code 16 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | $74K |
| HEALTH DESIGN ENTERPRISES LLC EIN 38-3607439 NONE | Contract Administrator; Direct payment from the plan Service code 13 | 1550 E BELTA LINE SE ADA, MI 48301 | $51K |
| WORK LIFE STRATEGIES EIN 80-0178558 NONE | Consulting (general); Direct payment from the plan Service code 16 | 26789 WOODWARD AVE STE105 HUNTINGTON WOODS, MI 48070 | $47K |
| AMERICARE MEDICAL INC. EIN 38-2364792 NONE | Direct payment from the plan; Other services Service code 49 | 1938 WOODSLEE DRIVE TROY, MI 48083 | $37K |
| STRATEGIC CAPITAL INVESTMENT EIN 36-4268991 NONE | Other investment fees and expenses; Direct payment from the plan; Investment advisory (plan) Service code 27 | 720 E BUTTERFIELD RD LOMBARD, IL 60148 | $32K |
| ASHERKELLY | Legal; Direct payment from the plan Service code 29 | 25800 NORTHWESTERN HWY SOUTHFIELD, MI 48075 | $30K |
| AMERICAN GRAPHICS PRINTING CO. EIN 38-2090031 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 34895 GROESBECK HIGHWAY CLINTON TOWNSHIP, MI 48035 | $25K |
| NATIONAL INVESTMENT SERVICES EIN 80-0169636 NONE | Investment management; Direct payment from the plan Service code 28 | 777 E WISCONSIN AVE 2350 MILWAUKEE, WI 53202 | $25K |
| NICKEL & SAPH, INC. NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | 44 MACOMB PLACE MOUNT CLEMENS, MI 48043 | $15K |
| 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 | $15K |
| SULLIVAN WARD ASHER AND PATTON PC EIN 38-1880608 NONE | Legal; Direct payment from the plan Service code 29 | 400 GALLERIA OFFICENTRE SOUTHFIELD, MI 48034 | $14K |
| BULTYNCK & CO., P.L.L.C. EIN 20-3920878 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 15985 CANAL ROAD CLINTON TOWNSHIP, MI 48038 | $14K |
| 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 | $14K |
| MEDTIPSTER EIN 26-2894721 NONE | Direct payment from the plan; Contract Administrator Service code 13 | 24370 NORTHWESTERN HWY SOUTHFIELD, MI 480751000 | $13K |
| QUEST DIAGNOSTICS EIN 38-1882750 NONE | Other services; Direct payment from the plan Service code 49 | 3 GIRALDA FARMS MADISON, NJ 07940 | $8K |
| THE SEGAL COMPANY INC. EIN 13-1975125 NONE | Actuarial; Direct payment from the plan Service code 11 | 101 NORTH WACKER DRIVE CHICAGO, IL 60606 | $5K |
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 | 496 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 641 | $1.6M |
| Vision | SVS VISION MANAGED CARE INC | 178 | $15K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,266 | $327K |
| Stop-loss / reinsurancereinsurance | UNION LABOR LIFE INSURANCE COMPANY | 876 | $180K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,266 | $327K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,266 | — |
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.