| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT PARTNER LLC, SALUS GROUP3 | 38223 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | HEALTH ALLIANCE PLAN | $104K | $0 | $104K | 5.21% |
| BENEFIT PARTNER LLC, SALUS GROUP3 | 38223 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | DELTA DENTAL OF MICHIGAN | $24K | $299 | $24K | 10.09% |
| BENEFIT PARTNER LLC, SALUS GROUP3 | 38223 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | SUN LIFE ASSURANCE COMPANY OF CANADA | $24K | — | $24K | 15.05% |
| BENEFIT PARTNER LLC, SALUS GROUP3 | 38223 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | VISION SERVICE PLAN | $2K | — | $2K | 3.80% |
| BENEFIT PARTNER LLC, SALUS GROUP3 | 38223 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | ALLIANCE HEALTH & LIFE INSURANCE COMPANY | $916 | $0 | $916 | 5.39% |
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 | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH ALLIANCE PLAN | 403 | $2.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 522 | $241K |
| Vision | VISION SERVICE PLAN | 211 | $48K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 236 | $161K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 236 | $161K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 236 | $161K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 236 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 522 | — |
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.