| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MACQUEEN & ASSOCIATES LLC3 Filed as: MACQUEEN AND ASSOCIATES, LLC | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | THE UNION LABOR LIFE INSURANCE COMPANY | $51K | — | $51K | 9.93% |
| MACQUEEN & ASSOCIATES LLC3 Filed as: MACQUEEN AND ASSOCIATES, LLC | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | — | $23K | 7.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MAGELLAN RX MANAGEMENT, INC. EIN 46-3708039 PHARMACY BENEFIT MANAGEME | Direct payment from the plan; Claims processing; Other fees Service code 12 | 4801 E WASHINGTON STREET PHOENIX, AZ 85034 | $824K |
| THE UNION LABOR LIFE INSURANCE CO EIN 13-1423090 NONE | Direct payment from the plan; Insurance services Service code 23 | ONE STREET NORTHWEST WASHINGTON, DC 20001 | $591K |
| BENESYS INC EIN 38-3507129 PLAN ADMINISTRATOR | Plan Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Direct payment from the plan Service code 12 | 700 TOWER DRIVE SUITE 300 TROY, MI 48098 | $448K |
| METROPOLITAN LIFE INSURANCE CO EIN 13-5581829 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | 501 US HIGHWAY 22, 2ND FLOOR BRIDGEWATER, NJ 08807 | $286K |
| HEALTH ALLIANCE PLAN OF MICHIGAN EIN 38-2242827 NONE | Direct payment from the plan; Contract Administrator Service code 13 | 2850 W. GRAND BLVD DETROIT, MI 48202 | $230K |
| ZELIS EIN 86-1040704 NONE | Direct payment from the plan; Claims processing Service code 12 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | $175K |
| DELTA DENTAL PLAN OF MICHIGAN EIN 38-1791480 BENEFIT ADMINISTRATOR | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | PO BOX 30416 LANSING, MI 489097916 | $57K |
| AMERICARE MEDICAL INC. EIN 38-2364792 NONE | Direct payment from the plan; Other services Service code 49 | 1938 WOODSLEE DRIVE TROY, MI 48083 | $57K |
| EXPRESS SCRIPTS EIN 43-1420563 BENEFIT ADMINISTRATOR | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | 1 EXPRESSWAY ST LOUIS, MO 63121 | $41K |
| HEALTH DESIGN ENTERPRISES LLC EIN 38-3607439 NONE | Contract Administrator; Direct payment from the plan Service code 13 | 1550 E BELT LINE SE GRAND RAPIDS, MI 49506 | $40K |
| WORK LIFE STRATEGIES EIN 80-0178558 NONE | Direct payment from the plan; Consulting (pension) Service code 17 | PO BOX 670444 DALLAS, TX 75367 | $40K |
| PHARMACY INVESTIGATORS & CONSULTING NONE | Consulting fees; Consulting (general) Service code 16 | 830 WEST ROUTE 22, 118 LAKE ZURICH, IL 60047 | $40K |
| ASHER KELLY EIN 84-3379113 NONE | Legal; Direct payment from the plan Service code 29 | 25800 NORTHWESTERN HIGHWAY 1000 SOUTHFIELD, MI 48075 | $29K |
| GOLDEN DENTAL PLANS INC EIN 38-2724203 NONE | Direct payment from the plan; Insurance services Service code 23 | 29377 HOOVER ROAD WARREN, MI 48093 | $28K |
| ST. JOSEPH MERCY ANN ARBOR NONE | Direct payment from the plan; Other fees Service code 50 | 5301 MCAULEY DR YPSILANTI, MI 48197 | $28K |
| NATIONAL INVESTMENT SERVICES EIN 80-0169636 INVESTMENT ADVISOR | Direct payment from the plan; Investment management Service code 28 | 777 E WISCONSIN AVE, STE 2350 MILWAUKEE, WI 53202 | $22K |
| SULLIVAN WARD ASHER AND PATTON PC EIN 38-1956491 LEGAL COUNSEL | Legal; Direct payment from the plan Service code 29 | 25800 NORTHWESTERN HIGHWAY SOUTHFIELD, MI 48075 | $21K |
| MEDTIPSTER EIN 26-2894721 NONE | Direct payment from the plan; Contract Administrator Service code 13 | 24370 NORTHWESTERN HIGHWAY STE 250 SOUTHFIELD, MI 480751000 | $21K |
| AMERICAN GRAPHICS EIN 38-2090931 PRINTING | Copying and duplicating; Direct payment from the plan Service code 36 | 34895 GROSEBECK HIGHWAY CLINTON TOWNSHIP, MI 48035 | $20K |
| FIFTH THIRD BANK EIN 31-1051736 NONE | Custodial (securities); Direct payment from the plan Service code 19 | 1000 TOWN CENTER SUITE 1500 SOUTHFIELD, MI 480751000 | $19K |
| NICKEL & SAPH, INC. EIN 38-1799688 NONE | Insurance services; Direct payment from the plan Service code 23 | 44 MACOMB PLACE MOUNT CLEMENS, MI 480436907 | $18K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Direct payment from the plan; Insurance services Service code 23 | 3333 QUALITY DRIVE RANCHO CORDOVA, CA 95670 | $13K |
| WALTER, BOESKY & ASSOCIATES P.C. EIN 38-3629743 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | 17320 W. 12 MILE ROAD STE 200 SOUTHFIELD, MI 480762105 | $12K |
| INTERNATIONAL FOUNDATION EIN 39-1034021 NONE | Direct payment from the plan; Other fees Service code 50 | 18700 W BLUEMOUND ROAD BROOKFIELD, WI 53045 | $9K |
| DAVIS VISION INC EIN 11-3051991 NONE | Insurance services; Direct payment from the plan Service code 23 | 711 TROY-SCHENECTADY RD LATHAM, NY 12110 | $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 | 1,434 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | DAVIS VISION | 296 | $15K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,434 | $312K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,661 | $514K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,967 | $509K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,967 | — |
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."
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.