| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC Filed as: LABOR-FIRST LLC | 3000 MIDLANTIC DRIVE, SUITE 101 SUITE 101 MOUNT LAUREL, NJ 08054 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 0.31% |
| MACQUEEN & ASSOCIATES LLC3 | 2191 TWELVE MILE RD BERKLEY, MI 48072 | AMERICAN UNITED LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Direct payment from the plan; Contract Administrator Service code 13 | 151 FARMINGTON AVE. HARTFORD, CT 06156 | $660K |
| LABOR FIRST, LLC EIN 06-1750191 NONE | Insurance services; Plan Administrator; Other fees; Direct payment from the plan Service code 14 | 1000 MIDATLANTIC DR 100 MOUNT LAUREL, NJ 08054 | $614K |
| TIC INTERNATIONAL CORPORATION EIN 13-2600875 NONE | Direct payment from the plan; Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 14 | 6525 CENTURION DRIVE LANSING, MI 48917 | $95K |
| NOVARA, TESIJA & CATENACCI PLLC EIN 38-3763096 NONE | Direct payment from the plan; Legal Service code 29 | 888 W BIG BEAVER RD,ST600 TROY, MI 48084 | $88K |
| UNITED ACTUARIAL SERVICES, INC. EIN 35-2156428 NONE | Actuarial; Direct payment from the plan; Consulting (general) Service code 11 | 11590 NORTH MERIDIAN ST CARMEL, IN 46032 | $40K |
| MARQUETTE ASSOCIATES EIN 36-3485298 NONE | Consulting (general); Investment advisory (plan); Direct payment from the plan Service code 16 | 180 N LASALLE ST 3500 CHICAGO, IL 60601 | $20K |
| 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 | $17K |
| UNION SERVICES AGENCY NONE | Insurance agents and brokers; Insurance services; Direct payment from the plan Service code 22 | 119 PERE MARQUETTE DRIVE 517-482-6700 LANSING, MI 48912 | $13K |
| MEIJER, INC. EIN 38-1274536 NONE | Direct payment from the plan; Other fees Service code 50 | PO BOX 2281 GRAND RAPIDS, MI 49501 | $9K |
| COMERICA BANK EIN 41-1741646 NONE | Other investment fees and expenses; Direct payment from the plan; Other services; Float revenue; Investment management; Custodial (securities); Shareholder servicing fees Service code 19 | 411 W. LAFAYETTE DETROIT, MI 48226 | $5K |
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 | 685 | 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) | 834 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 169 | $572K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 812 | $55K |
| Prescription drug | HUMANA INSURANCE COMPANY | 169 | $572K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 812 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 812 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.