| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS PARTNER LLC3 | 38523 STERLING HEIGHTS BLDG F STERLING HEIGHTS, MI 48310 | BLUE CARE NETWORK OF MICHIGAN | $56K | $1K | $57K | 3.74% |
| WALL MARTYNIEK3 | 721 THREE MILE ROAD STE 150 GRAND RAPIDS, MI 49544 | BLUE CARE NETWORK OF MICHIGAN | $14K | — | $14K | 0.92% |
| BENEFITS PARTNER LLC3 | 38523 STERLING HEIGHTS BLDG F STERLING HEIGHTS, MI 48310 | DEARBORN LIFE INSURANCE COMPANY | $9K | — | $9K | 7.56% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM BENEFITS | 721 THREE MILE ROAD STE 150 GRAND RAPIDS, MI 49544 | DEARBORN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.84% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM BENEFITS | 721 THREE MILE ROAD STE 150 GRAND RAPIDS, MI 49544 | DELTA DENTAL OF MICHIGAN | $1K | — | $1K | 1.17% |
| BENEFITS PARTNER LLC3 | 38523 STERLING HEIGHTS 38523 STERLING HEIGHTS STERLING HEIGHTS, MI 48118 | DELTA DENTAL OF MICHIGAN | $368 | — | $368 | 0.41% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM BENEFITS | 721 THREE MILE ROAD STE 150 GRAND RAPIDS, MI 49544 | EYEMED VISION CARE | $339 | — | $339 | 2.00% |
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 | 168 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 236 | $1.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 253 | $89K |
| Vision | EYEMED VISION CARE | 122 | $17K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 163 | $123K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 163 | $123K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 163 | $123K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 163 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.