See the carriers, broker commissions and premiums for this plan.
It also shows filing history and funding margin. Your first month is $4.99.
See 3 contract rows with premium, retention and renewal dates. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
See commissions and fees for 3 broker rows. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LABOR FIRST LLC NONE | Consulting (general); Direct payment from the plan; Other services Service code 16 | 3000 MIDLANTIC DR 101 MT LAUREL TOWNSHIP, NJ 08054 | $303K |
| HUMANA INSURANCE CO. EIN 39-1263473 NONE | Contract Administrator; Claims processing; Direct payment from the plan; Insurance services; Other fees Service code 12 | — | $140K |
| NOVARA, TESIJA & CATENACCI PLLC EIN 38-3763096 NONTE | Direct payment from the plan; Legal Service code 29 | 2000 TOWN CENTER STE 2370 SOUTHFIELD, MI 480751314 | $100K |
| TIC INTERNATIONAL CORPORATION EIN 13-2600875 NONE | Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 14 | 6525 CENTURION DRIVE LANSING, MI 48917 | $77K |
| UNITED ACTUARIAL SERVICES, INC. EIN 35-2156428 NONE | Direct payment from the plan; Actuarial Service code 11 | 11590 NORTH MERIDIAN ST CARMEL, IN 46032 | $36K |
| UNION SERVICES AGENCY NONE | Insurance agents and brokers; Insurance services; Direct payment from the plan Service code 22 | 119 PERE MARQUETTE DRIVE LANSING, MI 48912 | $10K |
| BULTYNCK & CO., P.L.L.C. EIN 20-3920878 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 15985 CANAL ROAD CLINTON TOWNSHIP, MI 48038 | $10K |
| COMERICA BANK EIN 41-1741646 NONE | Investment management fees paid directly by plan; Shareholder servicing fees; Investment management; Other services; Custodial (securities); Other investment fees and expenses; Direct payment from the plan Service code 19 | 411 W. LAFAYETTE DETROIT, MI 48226 | $9K |
| AMERICAN UNITED LIFE INSURANCE CO. EIN 35-0145825 NONE | Insurance services; Direct payment from the plan; Claims processing Service code 12 | — | $0 |
| TRADE SOLUTIONS NONE | Copying and duplicating; Other fees; Direct payment from the plan Service code 36 | 648 MONROE AVE NW GRAND RAPIDS, MI 49503 | $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 | 681 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 149 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 830 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 187 | $461K |
| Life insurance | AMERICAN LIFE INSURANCE COMPANY | 783 | $61K |
| Prescription drug | HUMANA INSURANCE COMPANY | 187 | $461K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 786 | $82K |
| Other | AMERICAN LIFE INSURANCE COMPANY | 783 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 786 | — |
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 the prior filing. The plan is willing to move. Re-pitch on the next cycle.
The primary broker changed. The plan may take a second-look pitch.
Broker compensation exceeds 5% of premium. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.