The actual opponent is listed below those names as the "real party in interest."
In Michigan law, the real-party-in-interest rule recognizes that litigation should be begun only by a party having an interest that will [ensure] sincere and vigorous advocacy.
A beneficiary may sue under these circumstances only when the trustee refuses or neglects to bring suit.
When funds belonging to a party are held on account, but not necessarily in trust, by a financial institution (e.g., a bank checking account is garnished by a third party who claims a valid unpaid debt), the bank is typically sued as nominal defendant.
Of course, the real party in interest is the owner of the account, who has an absolute right to intervene and protect his assets.