| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $65K | — | $65K | 3.27% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 4.02% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 8.54% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | BLUE CARE NETWORK OF MICHIGAN | $1K | — | $1K | 3.25% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 14.22% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $187 | $2K | 11.16% |
No Schedule C service providers reported on this filing.
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 | 162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 356 | $2.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 363 | $143K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 356 | $2.0M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 165 | $41K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 165 | $62K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $18K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 356 | $2.0M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 165 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.