| 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 | 9.38% |
| MACQUEEN & ASSOCIATES LLC3 Filed as: MACQUEEN AND ASSOCIATES, LLC | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | METROPOLITAN LIFE INSURANCE COMPANY | $56K | — | $56K | 12.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL PLAN OF MICHIGAN EIN 38-1791480 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $950K |
| BENESYS INC. EIN 38-3507129 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator; Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $455K |
| ZELIS EIN 86-1040704 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $353K |
| ALLIANCE HEALTH & LIFE CORP. NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $87K |
| AMERICARE MEDICAL INC. EIN 38-2364792 NONE | Other services; Direct payment from the plan Service code 49 | — | $51K |
| NATIONAL INVESTMENT SERVICES EIN 80-0169636 NONE | Investment management; Direct payment from the plan Service code 28 | — | $49K |
| ASHER KELLY EIN 84-3379113 NONE | Direct payment from the plan; Legal Service code 29 | — | $47K |
| HEALTH DESIGN ENTERPRISES EIN 38-3607439 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $36K |
| AMERICAN GRAPHICS PRINTING CO. EIN 38-2090931 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $29K |
| NICKEL & SAPH INC. EIN 38-1799688 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $19K |
| MEDTIPSTER EIN 26-2894721 NONE | Other services; Direct payment from the plan Service code 49 | — | $17K |
| WALTER, BOESKY & ASSOCIATES PLC EIN 38-3629743 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $16K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $13K |
| MDLIVE INC. EIN 45-4937055 NONE | Other services; Direct payment from the plan Service code 49 | — | $10K |
| MAYO COLLABORATIVE SERVICES NONE | Other services; Direct payment from the plan Service code 49 | — | $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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,434 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GOLDEN DENTAL PLANS | 251 | $34K |
| Vision(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 1,330 | $19K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,430 | $451K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,428 | $517K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,928 | $641K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,928 | — |
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.