| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | HEALTH ALLIANCE PLAN | $114K | — | $114K | 4.26% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | DELTA DENTAL OF MICHIGAN | $31K | — | $31K | 10.08% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | ALLIANCE HEALTH & LIFE INSURANCE COMPANY | $8K | — | $8K | 4.41% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $8K | $28K | 20.90% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | VISION SERVICE PLAN | $2K | — | $2K | 3.39% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 20.81% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $3K | $5K | 21.87% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $752 | $236 | $988 | 19.70% |
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 | 236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH ALLIANCE PLAN | 418 | $2.9M |
| Dental | DELTA DENTAL OF MICHIGAN | 546 | $307K |
| Vision | VISION SERVICE PLAN | 227 | $59K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 234 | $25K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 217 | $135K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 225 | $48K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 234 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 546 | — |
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.