| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MACQUEEN & ASSOCIATES LLC3 | 2191 TWELVE MILE RD BERKLEY, MI 48072 | AMERICAN UNITED LIFE INSURANCE COMPANY | $6K | — | $6K | 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 | Other services; Direct payment from the plan Service code 49 | 1000 MIDATLANTIC DR 100 MOUNT LAUREL, NJ 08054 | $408K |
| NOVARA LAW GROUP, PLLC EIN 38-3763096 NONE | Direct payment from the plan; Legal Service code 29 | 888 W BIG BEAVER RD 600 TROY, MI 48084 | $122K |
| 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 | $101K |
| TCHP, LLC NONE | Other services; Direct payment from the plan Service code 49 | 148 S RIVER AVE, STE 300 616-344-6606 HOLLAND, MI 49423 | $48K |
| 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 | $38K |
| 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 services; Direct payment from the plan; Insurance agents and brokers Service code 22 | 415 S. WEST ST, STE 350 ROYAL OAK, MI 48067 | $14K |
| WATKINS ROSS NONE | Direct payment from the plan; Consulting (general) Service code 16 | 200 OTTAWA AVE NW, STE600 616-456-9696 GRAND RAPIDS, MI 49503 | $13K |
| LEVEL CARE NONE | Other services; Direct payment from the plan Service code 49 | 1811 SPRING GARDEN ST 267-546-0782 PHILADELPHIA, PA 19130 | $13K |
| 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 | $12K |
| TIC INTERNATIONAL CORPORATION EIN 13-2600875 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Contract Administrator; Accounting (including auditing); Plan Administrator; Copying and duplicating Service code 10 | 6525 CENTURION DRIVE LANSING, MI 48917 | $10K |
| COMERICA BANK EIN 42-1741646 NONE | Investment management; Investment management fees paid directly by plan; Custodial (securities); Direct payment from the plan; Securities brokerage; Investment advisory (plan); Trustee (bank, trust company, or similar financial institution); Custodial (other than securities) 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 | 810 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 214 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,024 | 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 | 1,000 | $59K |
| Prescription drug | HUMANA INSURANCE COMPANY | 0 | $0 |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,000 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,000 | — |
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."
No prospect flags tripped on this filing.