| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS PARTNER LLC3 | 38523 STERLING HEIGHTS BLDG F STERLING HEIGHTS, MI 48310 | BLUE CARE NETWORK | $106K | $4K | $111K | 2.64% |
| BENEFITS PARTNER LLC3 | 38523 STERLING HEIGHTS BLDG F STERLING HEIGHTS, MI 48310 | DELTA DENTAL OF MICHIGAN | $49K | $507 | $49K | 10.05% |
| BENEFITS PARTNER LLC3 | 38523 STERLING HEIGHTS BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $14K | $29K | 11.58% |
| BENEFITS PARTNER LLC3 | 38523 STERLING HEIGHTS BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $7K | $18K | 14.62% |
| BENEFITS PARTNER LLC3 | 38523 STERLING HEIGHTS BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $6K | $17K | 15.63% |
| BENEFITS PARTNER LLC3 | 38523 STERLING HEIGHTS BLDG F STERLING HEIGHTS, MI 48310 | VISION SERVICE PLAN | $2K | — | $2K | 2.83% |
| BENEFITS PARTNER LLC3 | 38523 STERLING HEIGHTS BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $8K | 17.40% |
| BENEFITS PARTNER LLC3 | 38523 STERLING HEIGHTS BLDG F STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $1K | $396 | $1K | 3.02% |
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 | 476 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 537 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK | 794 | $4.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 878 | $487K |
| Vision | VISION SERVICE PLAN | 417 | $82K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 534 | $171K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 479 | $250K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 481 | $109K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 534 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 878 | — |
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.