| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT PARTNERS GROUP LLC3 Filed as: BENEFIT PARTNERS LLC | 38221 MOUND RD BLDG G STERLING HEIGHTS, MI 48310 | BLUE CARE NETWORK | $27K | — | $27K | 4.40% |
| ACTIONS BENEFITS COMPANY3 | 24600 NORTHWESTERN SOUTHFIELD, MI 48075 | BLUE CARE NETWORK | $6K | — | $6K | 0.97% |
| BENEFIT PARTNERS GROUP LLC Filed as: BENEFIT PARTNERS LLC | 38221 MOUND RD BLDG G STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | — | $8K | 4.85% |
| BENEFITS PARTNER LLC3 | 38221 MOUND RD BLDG G STERLING HEIGHTS, MI 48310 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $2K | $6K | 6.03% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO INC | 1201 BRIARWOOD CIR ANN ARBOR, MI 48108 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $17 | $17 | 0.02% |
| BENEFIT PARTNER LLC3 | 38221 MOUND RD BLDG G STERLING HEIGHTS, MI 48310 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $1K | $9K | 16.30% |
| BENEFITS PARTNER LLC3 | 38221 MOUND RD BLDG G STERLING HEIGHTS, MI 48310 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $630 | $4K | 16.25% |
| BENEFIT PARTNERS GROUP LLC3 Filed as: BENEFIT PARTNERS LLC | 38221 MOUND RD BLDG G STERLING HEIGHTS, MI 48310 | EYEMED VISION CARE/FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.88% |
| BENEFIT PARTNERS GROUP LLC3 Filed as: BENEFIT PARTNERS LLC | 38221 MOUND RD BLDG G STERLING HEIGHTS, MI 48310 | METROPOLITAN LIFE INSURANCE COMPNAY | $2K | $288 | $2K | 16.30% |
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 | 144 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK | 185 | $780K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 245 | $94K |
| Vision | EYEMED VISION CARE/FIDELITY SECURITY LIFE INSURANCE COMPANY | 160 | $13K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 144 | $25K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 144 | $56K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPNAY | 144 | $11K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK | 185 | $780K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 144 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.