| 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 | Plan Administrator; Other fees; Direct payment from the plan; Insurance services; Consulting (general) Service code 14 | 1000 MIDATLANTIC DR 100 MOUNT LAUREL, NJ 08054 | $180K |
| 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 | $124K |
| 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 | $106K |
| UNITED ACTUARIAL SERVICES, INC. EIN 35-2156428 NONE | Actuarial; Consulting (general); Direct payment from the plan Service code 11 | 11590 NORTH MERIDIAN ST CARMEL, IN 46032 | $54K |
| 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 | $27K |
| 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 | $21K |
| MACQUEEN & ASSOCIATES LLC EIN 20-0495393 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance services Service code 22 | 415 S. WEST ST, STE 350 ROYAL OAK, MI 48067 | $14K |
| TIC INTERNATIONAL CORPORATION EIN 13-2600875 NONE | Plan Administrator; Contract Administrator; Direct payment from the plan; Accounting (including auditing); Copying and duplicating; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees Service code 10 | 6525 CENTURION DRIVE LANSING, MI 48917 | $13K |
| 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 | $9K |
| COMERICA BANK EIN 42-1741646 NONE | Participant communication; Participant loan processing; Investment management; Investment advisory (plan); Investment management fees paid directly by plan; Trustee (bank, trust company, or similar financial institution); Custodial (securities); Securities brokerage; Custodial (other than securities); Direct payment from the plan Service code 18 | 411 WEST LAFAYETTE DETROIT, MI 48226 | $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 | 799 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 212 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,011 | 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 | 982 | $51K |
| Prescription drug | HUMANA INSURANCE COMPANY | 0 | $0 |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 982 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 982 | — |
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.