| 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 | $33K | — | $33K | 3.32% |
| T M R & ASSOCIATES, INC.3 | 601 ABBOTT STREET DETROIT, MI 48226 | HUMANA INSURANCE COMPANY | $33K | — | $33K | 3.32% |
| TMR & ASSOCIATES3 Filed as: TMR AND ASSOCIATES, INC. | 601 ABBOTT STREET DETROIT, MI 48226 | UNION LABOR LIFE INSURANCE COMPANY | $32K | — | $32K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUMANA INSURANCE COMPANY EIN 39-1263473 NONE | Direct payment from the plan; Insurance services Service code 23 | 500 WEST MAIN STREET LOUISVILLE, KY 40202 | $986K |
| 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 | $635K |
| BENESYS, INC. EIN 38-3507129 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator; Claims processing; Direct payment from the plan Service code 12 | 700 TOWER DRIVE SUITE 300 TROY, MI 48098 | $431K |
| ALLIANCE HEALTH & LIFE CORP NONE | Direct payment from the plan; Insurance services Service code 23 | 2850 W GRAND BLVD 5TH FL DETROIT, MI 482022643 | $173K |
| ZELIS EIN 86-1040704 NONE | Consulting (general); Direct payment from the plan Service code 16 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | $160K |
| 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 | $95K |
| ASHERKELLY NONE | Direct payment from the plan; Legal Service code 29 | 25800 NORTHWESTERN HWY SOUTHFIELD, MI 48075 | $70K |
| 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 | $51K |
| AMERICARE MEDICAL INC. EIN 38-2364792 NONE | Other services; Direct payment from the plan Service code 49 | 1938 WOODSLEE DRIVE TROY, MI 48083 | $36K |
| 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 | $34K |
| STRATEGIC CAPITAL INVESTMENT EIN 36-4268991 NONE | Investment advisory (plan); Direct payment from the plan; Other investment fees and expenses Service code 27 | 720 E BUTTERFIELD RD LOMBARD, IL 60148 | $29K |
| 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 | $26K |
| 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 |
| NICKEL & SAPH, INC. EIN 38-1799688 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | 44 MACOMB PLACE MOUNT CLEMENS, MI 48043 | $19K |
| COLEMAN AND COMPANY LLC EIN 38-3266266 NONE | Consulting (pension); Direct payment from the plan Service code 17 | 144 E 44TH STREET 8TH FLR NEW YORK, NY 10017 | $18K |
| BULTYNCK & CO., P.L.L.C. EIN 20-3920878 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 15985 CANAL ROAD CLINTON TOWNSHIP, MI 48038 | $16K |
| HAP PREFERRED, INC. EIN 38-2513504 NONE | Direct payment from the plan; Insurance services Service code 23 | 2850 W GRAND BLVD DETROIT, MI 48202 | $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 | $15K |
| MEDTIPSTER EIN 26-2894721 NONE | Contract Administrator; Direct payment from the plan Service code 13 | 24370 NORTHWESTERN HWY SOUTHFIELD, MI 480751000 | $12K |
| MILLIMAN EIN 91-0675641 NONE | Actuarial; Direct payment from the plan Service code 11 | 71 S. WACKER DRIVE, 31ST CHICAGO, IL 60606 | $8K |
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 | 838 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 476 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 609 | $986K |
| Vision | SVS VISION MANAGED CARE INC | 175 | $15K |
| Stop-loss / reinsurancereinsurance | UNION LABOR LIFE INSURANCE COMPANY | 838 | $635K |
| Other | HAP PREFERRED, INC. | 2,070 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,070 | — |
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.