| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRYAN P BEGOLA3 | 38223 MOUND RD BUILD F STERLING HTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $81K | $0 | $81K | 2.96% |
| BENEFITS PARTNER LLC3 | 38233 MOUND RD BLDG F STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $3K | $3K | 0.11% |
| BRYAN P BEGOLA3 | 38223 MOUND RD BUILD F STERLING HTS, MI 48310 | BLUE CARE NETWORK OF MICHIGAN | $22K | $0 | $22K | 2.79% |
| BENEFITS PARTNER LLC3 | 38233 MOUND RD BLDG F STERLING HEIGHTS, MI 48310 | BLUE CARE NETWORK OF MICHIGAN | $0 | $546 | $546 | 0.07% |
| BENEFIT PARTNERS GROUP LLC3 Filed as: BENEFIT PARTNERS, LLC | 38233 MOUND RD BLDG F STERLING HEIGHTS, MI 48310 | DELTA DENTAL OF MICHIGAN | $27K | $0 | $27K | 9.97% |
| BENEFITS PARTNER LLC3 | 38233 MOUND RD BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $4K | $15K | 20.46% |
| BENEFITS PARTNER LLC3 | 38233 MOUND RD BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $4K | $13K | 20.90% |
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER, LLC | 38233 MOUND RD # F STERLING HTS, MI 48310 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.31% |
| BENEFITS PARTNER LLC3 | 38233 MOUND RD BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 19.35% |
| BENEFITS PARTNER LLC3 | 38233 MOUND RD BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
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 | 437 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 440 | 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 | 467 | $3.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 690 | $266K |
| Vision | VISION SERVICE PLAN | 294 | $62K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 437 | $112K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 87 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 429 | $72K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 467 | $3.5M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 437 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 690 | — |
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.