| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES F FOURNIER3 | 38221 MOUND ROAD BLDG G STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $33K | $0 | $33K | 2.12% |
| BENEFIT PARTNERS GROUP LLC3 Filed as: BENEFIT PARTNERS LLC | 38221 MOUND ROAD BLDG G STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $3K | $3K | 0.17% |
| BENEFIT PARTNERS GROUP LLC3 Filed as: BENEFIT PARTNERS LLC | 38221 MOUND ROAD BLDG G STERLING HEIGHTS, MI 48310 | DELTA DENTAL OF MICHIGAN | $17K | $0 | $17K | 9.81% |
| BENEFIT PARTNERS GROUP LLC3 Filed as: BENEFIT PARTNERS LLC | 38221 MOUND ROAD BLDG G STERLING HEIGHTS, MI 48310 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $151 | $17K | 13.09% |
| BENEFIT PARTNERS GROUP LLC3 Filed as: BENEFIT PARTNERS LLC | 38221 MOUND ROAD BLDG G STERLING HEIGHTS, MI 48310 | VISION SERVICE PLAN | $2K | — | $2K | 4.18% |
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 | 295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 443 | $1.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 510 | $172K |
| Vision | VISION SERVICE PLAN | 231 | $38K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 566 | $133K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 566 | $133K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 566 | $133K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 566 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 566 | — |
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."
No prospect flags tripped on this filing.