| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT PARTNERS GROUP LLC3 Filed as: BENEFIT PARTNERS LLC | 38221 MOUND ROAD BLDG G STERLING HEIGHTS, MI 48310 | BLUE CARE NETWORK OF MICHIGAN | $36K | — | $36K | 1.43% |
| BRYAN P BEGOLA3 | 38221 MOUND ROAD BLDG G STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $6K | — | $6K | 1.30% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN ROAD SUITE 400 SOUTHFIELD, MI 48076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $1K | — | $1K | 0.35% |
| BENEFIT PARTNERS GROUP LLC3 Filed as: BENEFIT PARTNERS LLC | 38221 MOUND ROAD BLDG G STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $602 | $602 | 0.14% |
| BENEFIT PARTNERS GROUP LLC3 Filed as: BENEFIT PARTNERS LLC | 38221 MOUND ROAD BLDG G STERLING HEIGHTS, MI 48310 | DELTA DENTAL OF MICHIGAN | $29K | — | $29K | 9.88% |
| BENEFIT PARTNERS GROUP LLC3 Filed as: BENEFIT PARTNERS LLC | 38221 MOUND ROAD BLDG G STERLING HEIGHTS, MI 48310 | STANDARD INSURANCE COMPANY | $21K | — | $21K | 15.00% |
| BENEFIT PARTNERS GROUP LLC3 Filed as: BENEFIT PARTNERS LLC | 38221 MOUND ROAD BLDG G STERLING HEIGHTS, MI 48310 | STANDARD INSURANCE COMPANY | — | — | $0 | 0.00% |
| BENEFIT PARTNERS GROUP LLC3 Filed as: BENEFIT PARTNERS LLC | 38221 MOUND ROAD BLDG G STERLING HEIGHTS, MI 48310 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| BENEFIT PARTNERS GROUP LLC3 Filed as: BENEFIT PARTNERS LLC | 38221 MOUND ROAD BLDG G STERLING HEIGHTS, MI 48310 | VISION SERVICE PLAN | $2K | — | $2K | 3.87% |
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 | 349 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 64 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 538 | $2.9M |
| Dental | DELTA DENTAL OF MICHIGAN | 637 | $293K |
| Vision | VISION SERVICE PLAN | 300 | $46K |
| Life insurance | STANDARD INSURANCE COMPANY | 392 | $111K |
| Short-term disability | STANDARD INSURANCE COMPANY | 342 | $140K |
| Long-term disability | STANDARD INSURANCE COMPANY | 342 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 637 | — |
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.