| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $53K | $0 | $53K | 1.75% |
| BRYAN P BEGOLA3 | 38223 MOUND RD BUILD F STERLING HTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $14K | $0 | $14K | 0.48% |
| BENEFITS PARTNER LLC3 | 38233 MOUND RD BLDG F STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $3K | $3K | 0.09% |
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $18K | $0 | $18K | 1.78% |
| BRYAN P BEGOLA3 | 38223 MOUND RD BUILD F STERLING HTS, MI 48310 | BLUE CARE NETWORK OF MICHIGAN | $7K | $0 | $7K | 0.68% |
| BENEFITS PARTNER LLC3 | 38233 MOUND RD BLDG F STERLING HEIGHTS, MI 48310 | BLUE CARE NETWORK OF MICHIGAN | $0 | $888 | $888 | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | DELTA DENTAL OF MICHIGAN | $23K | $0 | $23K | 7.45% |
| BENEFIT PARTNERS GROUP LLC3 Filed as: BENEFIT PARTNERS, LLC | 38233 MOUND RD BLDG F STERLING HEIGHTS, MI 48310 | DELTA DENTAL OF MICHIGAN | $8K | $0 | $8K | 2.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 12.69% |
| BENEFITS PARTNER LLC3 | 38233 MOUND RD BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $4K | $6K | 7.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 12.51% |
| BENEFITS PARTNER LLC3 | 38233 MOUND RD BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $4K | $6K | 7.88% |
| MARSH & MCLENNAN AGENCY LLC3 | 33213 COLLECTION CENTER DR CHICAGO, IL 60693 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.96% |
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER, LLC | 38233 MOUND RD # F STERLING HTS, MI 48310 | VISION SERVICE PLAN | $770 | $0 | $770 | 1.18% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 12.69% |
| BENEFITS PARTNER LLC3 | 38233 MOUND RD BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $3K | $4K | 7.68% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.54% |
| BENEFITS PARTNER LLC3 | 38233 MOUND RD BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $596 | $861 | $1K | 4.09% |
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 | 473 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 474 | 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 | 495 | $4.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 776 | $308K |
| Vision | VISION SERVICE PLAN | 319 | $65K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 473 | $125K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $36K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 462 | $79K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 495 | $4.1M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 473 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 776 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.