| 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 | $49K | — | $49K | 7.50% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 TWELVE MILE ROAD BERKLEY, MI 48072 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $36K | $11K | $47K | 17.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | 4100 OKEMOS ROAD OKEMOS, MI 48864 | $1.4M |
| BENESYS, INC. EIN 38-2383171 NONE | Copying and duplicating; Claims processing; Direct payment from the plan; Contract Administrator; Consulting (general); Plan Administrator; Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | 700 TOWER DRIVE STE 300 TROY, MI 48098 | $576K |
| HEALTH PLAN ADVOCATE EIN 38-3607439 NONE | Insurance services; Claims processing; Consulting (general); Direct payment from the plan Service code 12 | 5380 CASCADE RD GRAND RAPIDS, MI 49546 | $104K |
| 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 | $85K |
| ASHER KELLY EIN 84-3379113 NONE | Direct payment from the plan; Legal Service code 29 | 25800 NORTHWESTERN HWY SOUTHFIELD, MI 48075 | $54K |
| NATIONAL INVESTMENT SERVICES EIN 80-0169636 NONE | Investment advisory (plan); Securities brokerage; Investment management fees paid directly by plan; Direct payment from the plan; Investment management; Custodial (other than securities) Service code 18 | 200 W MADISON ST STE 2900 CHICAGO, IL 60606 | $19K |
| NICKEL & SAPH INC. EIN 38-1799688 NONE | Insurance services; Direct payment from the plan; Insurance agents and brokers Service code 22 | 44 MACOMB PLACE MOUNT CLEMENS, MI 48043 | $16K |
| COMERICA BANK EIN 42-1741646 NONE | Participant loan processing; Trustee (bank, trust company, or similar financial institution); Investment advisory (plan); Participant communication; Shareholder servicing fees; Investment management fees paid directly by plan; Investment management; Custodial (securities); Direct payment from the plan; Securities brokerage Service code 19 | 411 WEST LAFAYETTE DETROIT, MI 48226 | $10K |
| BULTYNCK & CO., PLLC EIN 20-3920878 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 15985 CANAL ROAD CLINTON TOWNSHIP, MI 48038 | $9K |
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 | 1,505 | 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) | 1,505 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENCAP DENTAL PLANS, INC. | 267 | $54K |
| Vision(3 contracts, 2 carriers) | VISION SERVICE PLAN | 0 | $0 |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,494 | $274K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 0 | $653K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,494 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,494 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.