| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS PARTNER LLC3 | 38233 MOUND RD BLDG. F STERLING HEIGHTS, MI 48310 | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC | $17K | — | $17K | 9.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ELIXIR RX SOLUTIONS, LLC EIN 05-0570786 NONE | Direct payment from the plan; Other services; Claims processing Service code 12 | — | $639K |
| THE UNION LABOR LIFE INSURANCE CO. EIN 13-1423090 NONE | Direct payment from the plan; Claims processing; Insurance services Service code 12 | 8403 COLESVILLE ROAD SILVER SPRING, MD 20910 | $284K |
| SIERRA HEALTH AND LIFE INSURANCE CO EIN 94-0734860 NONE | Direct payment from the plan; Insurance services Service code 23 | 2720 N TENYA WY LAS VEGAS, NV 89109 | $173K |
| 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 | $134K |
| BENESYS, INC. EIN 38-2383171 NONE | Accounting (including auditing); Copying and duplicating; Direct payment from the plan; Contract Administrator; Consulting (general); Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator Service code 10 | 700 TOWER DRIVE STE 300 TROY, MI 48098 | $112K |
| ZELIS CLAIMS INTEGRITY, LLC EIN 58-2167964 NONE | Direct payment from the plan; Consulting (general); Claims processing Service code 12 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | $98K |
| SALUS GROUP EIN 20-2024076 NONE | Insurance services; Consulting (general); Direct payment from the plan; Insurance agents and brokers Service code 16 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | $35K |
| HEALTH PLAN ADVOCATE EIN 38-3607439 NONE | Direct payment from the plan; Consulting (general); Insurance services Service code 16 | 5380 CASCADE RD GRAND RAPIDS, MI 49546 | $29K |
| HINES & ASSOCIATES, INC. EIN 36-3545085 NONE | Other services; Direct payment from the plan Service code 49 | 115 E HIGHLAND AVE ELGIN, IL 60120 | $25K |
| FRONTPATH HEALTH COALITION EIN 34-1713951 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $20K |
| BULTYNCK & CO., PLLC EIN 20-3920878 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 15985 CANAL RD CLINTON TOWNSHIP, MI 48038 | $16K |
| THE TRUST COMPANY OF TOLEDO N.A. EIN 34-1661757 NONE | Trustee (bank, trust company, or similar financial institution); Investment management; Direct payment from the plan Service code 21 | 1630 TIMBERWOLF DR HOLLAND, OH 43528 | $13K |
| UNITED ACTUARIAL SERVICES, INC. EIN 35-2156428 NONE | Direct payment from the plan; Actuarial Service code 11 | 11590 N MERIDIAN ST 610 CARMEL, IN 46032 | $8K |
| STEFANSKY, HOLLOWAY & NICHOLS, INC. EIN 38-2388845 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 22260 HAGGERTY RD STE 350 NORTHVILLE, MI 48167 | $8K |
| 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 | $6K |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 80 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC | 131 | $173K |
| Prescription drug | ELIXIR SOLUTIONS | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.