| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MACQUEEN & ASSOCIATES LLC Filed as: MACQUEEN AND ASSOCIATES, LLC | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | THE UNION LABOR LIFE INSURANCE COMPANY | $48K | — | $48K | 7.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS, INC. EIN 38-2383171 NONE | Direct payment from the plan; Copying and duplicating; Contract Administrator; Plan Administrator; Claims processing; Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general) Service code 10 | 700 TOWER DRIVE STE 300 TROY, MI 48098 | $528K |
| HEALTH PLAN ADVOCATE EIN 38-3607439 NONE | Direct payment from the plan; Claims processing; Insurance services; Consulting (general) Service code 12 | 5380 CASCADE RD GRAND RAPIDS, MI 49546 | $95K |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | 4100 OKEMOS ROAD OKEMOS, MI 48864 | $77K |
| ASHER KELLY EIN 84-3379113 NONE | Direct payment from the plan; Legal Service code 29 | 25800 NORTHWESTERN HWY SOUTHFIELD, MI 48075 | $76K |
| AMERICAN GRAPHICS PRINTING CO. EIN 38-2090931 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 34985 GROESBECK HWY CLINTON TOWNSHIP, MI 48035 | $67K |
| NATIONAL INVESTMENT SERVICES EIN 80-0169636 NONE | Custodial (other than securities); Securities brokerage; Investment management; Investment advisory (plan); Investment management fees paid directly by plan; Direct payment from the plan Service code 18 | 200 W MADISON ST STE 2900 CHICAGO, IL 60606 | $17K |
| 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 | $17K |
| MEDTIPSTER EIN 26-2894721 NONE | Contract Administrator; Direct payment from the plan; Other services Service code 13 | 24370 NORTHWESTERN HWY SOUTHFIELD, MI 48075 | $16K |
| BULTYNCK & CO., PLLC EIN 20-3920878 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 15985 CANAL ROAD CLINTON TOWNSHIP, MI 48038 | $13K |
| ZELIS EIN 58-2167964 NONE | Claims processing; Consulting (general); Direct payment from the plan Service code 12 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | $9K |
| AMERICARE MEDICAL INC. EIN 38-2364792 | Direct payment from the plan; Other services Service code 49 | 1938 WOODSLEE DRIVE TROY, MI 48083 | $0 |
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 | 1,506 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,506 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(3 contracts, 2 carriers) | VISION SERVICE PLAN | 1,371 | $0 |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 541 | $20K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 0 | $644K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 541 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,371 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.