| 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 | 3.31% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | DELTA DENTAL OF MICHIGAN | $8K | — | $8K | 6.20% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 12.27% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | BLUE CARE NETWORK OF MICHIGAN | $4K | — | $4K | 6.01% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 18.04% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $729 | $3K | 14.11% |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 161 | 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 | 325 | $2.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 337 | $123K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $24K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $61K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 129 | $18K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.