| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRYAN P BEGOLA3 | 38223 MOUND RD BUILD F STERLING HEIGHTS, MA 48312 | BLUE CARE NETWORK OF MICHIGAN | $33K | — | $33K | 2.87% |
| JOHN W SCHUEMANN3 | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | BLUE CARE NETWORK OF MICHIGAN | $12K | — | $12K | 1.03% |
| BENEFITS PARTNER LLC3 | 38233 MOUND RD BLDG F STERLING HEIGHTS, MI 48310 | BLUE CARE NETWORK OF MICHIGAN | $0 | $833 | $833 | 0.07% |
| BENEFIT PARTNERS LLC DBA SALUS GROU3 Filed as: BENEFIT PARTNERS, LLC DBA SALUS GRO | 38233 MOUND RD BLDG F STERLING HEIGHTS, MI 48310 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 6.16% |
| ROSE STREET ADVISORS LLC- S. THOMAS3 | 244 N ROSE ST KALAMAZOO, MI 49007 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 3.20% |
| BENEFIT PARTNERS LLC DBA SALUS GROU3 Filed as: BENEFIT PARTNERS, LLC DBA SALUS GRO | 38233 MOUND RD BLDG F STERLING HEIGHTS, MI 48310 | DELTA DENTAL OF MICHIGAN | $0 | $94 | $94 | 0.08% |
| BENEFITS PARTNER LLC3 | 38233 MOUND RD BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $4K | 9.73% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 N ROSE ST KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.48% |
| BENEFITS PARTNER LLC3 | 38233 MOUND RD BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.47% |
| BENEFITS PARTNER LLC3 | 38233 MOUND RD BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.88% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 N ROSE ST KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $994 | — | $994 | 3.43% |
| BENEFITS PARTNER LLC5 | 38233 MOUND RD BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $774 | $774 | 2.67% |
| BENEFITS PARTNER LLC3 | 38233 MOUND RD BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $675 | $2K | 12.66% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 N ROSE ST KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.10% |
| BENEFIT PARTNERS, LLC, DBA SALUS GR3 | 38233 MOUND ROAD BUILDING F STERLING HEIGHTS, MI 48310 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPA | $1K | — | $1K | 10.02% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS- BOR | 244 NORTH ROSE STREET KALAMAZOO, MI 49007 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPA | $1K | — | $1K | 10.02% |
| BENEFITS PARTNER LLC3 | 38233 MOUND RD BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $608 | $504 | $1K | 10.65% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 N ROSE ST KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $436 | — | $436 | 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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 203 | $1.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 259 | $120K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPA | 242 | $12K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 131 | $28K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $45K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $29K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 203 | $1.2M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 131 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.