| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MACQUEEN & ASSOCIATES LLC3 | 2191 TWELVE MILE RD BERKLEY, MI 48072 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| LABOR FIRST LLC Filed as: LABOR-FIRST LLC | 3000 MIDLANTIC DRIVE, SUITE 101 SUITE 101 MOUNT LAUREL, NJ 08054 | HUMANA INSURANCE COMPANY | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LABOR FIRST, LLC EIN 06-1750191 NONE | Direct payment from the plan; Plan Administrator; Insurance services; Other fees Service code 14 | 1000 MIDATLANTIC DR 100 MOUNT LAUREL, NJ 08054 | $481K |
| NOVARA, TESIJA & CATENACCI, PLLC EIN 38-3763096 NONE | Direct payment from the plan; Legal Service code 29 | 888 W BIG BEAVER RD 600 TROY, MI 48084 | $112K |
| SOLXSYS ADMINISTRATIVE SOLUTIONS EIN 83-2454243 NONE | Plan Administrator; Direct payment from the plan Service code 14 | 5600 NEW KING ST, STE 330 TROY, MI 48098 | $64K |
| UNITED ACTUARIAL SERVICES, INC. EIN 35-2156428 NONE | Consulting (general); Direct payment from the plan; Actuarial Service code 11 | 11590 NORTH MERIDIAN ST CARMEL, IN 46032 | $56K |
| 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 | $22K |
| MARQUETTE ASSOCIATES EIN 36-3485298 NONE | Direct payment from the plan; Consulting (general) Service code 16 | 180 N LASALLE ST STE 3500 CHICAGO, IL 60601 | $15K |
| BULTYNCK & CO., P.L.L.C. EIN 20-3920878 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 15985 CANAL ROAD CLINTON TOWNSHIP, MI 48038 | $9K |
| AMERICAN GRAPHICS PRINTING CO EIN 38-2090931 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | 34985 GROESBECK HWY CLINTON TOWNSHIP, MI 48035 | $9K |
| COMERICA BANK EIN 42-1741646 NONE | Shareholder servicing fees; Float revenue; Custodial (securities); Direct payment from the plan; Other investment fees and expenses; Other services; Investment management Service code 19 | 411 WEST LAFAYETTE DETROIT, MI 48226 | $8K |
| MACQUEEN & ASSOCIATES LLC EIN 20-0495393 NONE | Insurance services Service code 23 | 415 S. WEST ST, STE 350 ROYAL OAK, MI 48067 | $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 | 746 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 164 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 910 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 0 | $0 |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 888 | $54K |
| Prescription drug | HUMANA INSURANCE COMPANY | 0 | $0 |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 888 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 888 | — |
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.