| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGG GOODMAN3 Filed as: GREGG M GOODMAN | 11590 N MERIDIAN, STE 600 CARMEL, IN 46032 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $28K | $9K | $37K | 4.62% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 TWELVE MILE RD BERKLEY, MI 48072 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE | Claims processing Service code 12 | P.O. BOX 288 DETROIT, MI 48231 | $709K |
| NOVARA, TESIJA & CATENACCI PLLC EIN 38-3763096 NONE | Direct payment from the plan Service code 50 | 2000 TOWN CENTER STE 2370 SOUTHFIELD, MI 480751314 | $69K |
| UNITED ACTUARIAL SERVICES EIN 35-2156428 NONE | Direct payment from the plan Service code 50 | 11590 NORTH MERIDIAN ST CARMEL, IN 46032 | $45K |
| AMERICAN REALTY ADVISORS NONE | Investment management fees paid directly by plan Service code 51 | 801 NORTH BRAND BOULEVARD 818-545-1152 GLENDALE, CA 91203 | $25K |
| COMERICA BANK EIN 41-1741646 NONE | Investment management fees paid directly by plan Service code 51 | 411 W. LAFAYETTE DETROIT, MI 48226 | $22K |
| UNION SERVICES AGENCY NONE | Direct payment from the plan Service code 50 | 119 PERE MARQUETTE DRIVE LANSING, MI 48912 | $13K |
| BULTYNCK & CO., P.L.L.C. EIN 20-3920878 NONE | Direct payment from the plan Service code 50 | 15985 CANAL ROAD CLINTON TOWNSHIP, MI 48038 | $7K |
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 | 728 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 146 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 874 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 0 | $795K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 837 | $63K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 837 | $63K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 0 | $795K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 837 | — |
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.