| 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 | $32K | — | $32K | 4.52% |
| T M R & ASSOCIATES, INC.3 | 601 ABBOTT STREET DETROIT, MI 48226 | HUMANA INSURANCE COMPANY | $32K | — | $32K | 4.52% |
| TMR & ASSOCIATES3 Filed as: TMR AND ASSOCIATES, INC. | 601 ABBOTT STREET DETROIT, MI 48226 | UNION LABOR LIFE INSURANCE COMPANY | — | — | $0 | — |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES NELLIGAN | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | UNION LABOR LIFE INSURANCE COMPANY | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS, INC. EIN 38-3507129 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing); Direct payment from the plan; Contract Administrator; Copying and duplicating; Claims processing; Consulting (general); Plan Administrator Service code 10 | 700 TOWER DRIVE SUITE 300 TROY, MI 48098 | $472K |
| ZELIS EIN 86-1040704 NONE | Claims processing; Direct payment from the plan; Consulting (general) Service code 12 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | $231K |
| HINES & ASSOCIATES, INC. EIN 36-3545085 NONE | Consulting (general); Other services; Direct payment from the plan; Other insurance fees and expenses Service code 16 | 115 E HIGHLAND AVE ELGIN, IL 60120 | $107K |
| ASHERKELLY EIN 84-3379113 NONE | Direct payment from the plan; Legal Service code 29 | 25800 NORTHWESTERN HWY SOUTHFIELD, MI 48075 | $98K |
| AMERICAN GRAPHICS PRINTING CO. EIN 38-2090931 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 34895 GROESBECK HIGHWAY CLINTON TOWNSHIP, MI 48035 | $65K |
| 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 | $57K |
| AMERICARE MEDICAL INC. EIN 38-2364792 NONE | Direct payment from the plan; Other services Service code 49 | 1938 WOODSLEE DRIVE TROY, MI 48083 | $41K |
| HEALTH PLAN ADVOCATE EIN 38-3607439 NONE | Consulting (general); Insurance services; Claims processing; Direct payment from the plan Service code 12 | 1550 EAST BELTLINE STE175 GRAND RAPIDS, MI 49506 | $38K |
| NATIONAL INVESTMENT SERVICES EIN 80-0169636 NONE | Investment management fees paid directly by plan; Custodial (other than securities); Securities brokerage; Investment advisory (plan); Direct payment from the plan; Investment management Service code 18 | 777 E WISCONSIN AVE 2350 MILWAUKEE, WI 53202 | $34K |
| STRATEGIC CAPITAL INVESTMENT EIN 36-4268991 NONE | Investment advisory (plan); Direct payment from the plan; Investment management; Consulting (pension); Other investment fees and expenses Service code 17 | 720 E BUTTERFIELD RD LOMBARD, IL 60148 | $30K |
| MERIT BENEFIT ADVISORS, LLC EIN 80-2379677 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | 3482 JAMIESON DR HUDSONVILLE, MI 49426 | $23K |
| THE SEGAL COMPANY INC. EIN 13-1975125 NONE | Custodial (securities); Direct payment from the plan; Securities brokerage; Named fiduciary; Investment management fees paid directly by plan; Investment advisory (plan); Investment management Service code 19 | 333 WEST 34TH STREET NEW YORK, NY 10001 | $20K |
| 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 | $18K |
| NICKEL & SAPH, INC. EIN 38-1799688 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance services Service code 22 | 44 MACOMB PLACE MOUNT CLEMENS, MI 48043 | $13K |
| MEDTIPSTER EIN 26-2894721 NONE | Direct payment from the plan; Other services Service code 49 | 24370 NORTHWESTERN HWY SOUTHFIELD, MI 480751000 | $9K |
| MILLIMAN, INC. 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 | 850 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 456 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 559 | $714K |
| Vision | SVS VISION MANAGED CARE INC | 190 | $5K |
| Life insurance | UNION LABOR LIFE INSURANCE COMPANY | 0 | $0 |
| Stop-loss / reinsurancereinsurance | UNION LABOR LIFE INSURANCE COMPANY | 0 | $0 |
| Other | HAP PREFERRED, INC. | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 559 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.