| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT PARTNER LLC, SALUS GROUP3 Filed as: BENEFIT PARTNER LLC SALUS GROUP | 38221 MOUND ROAD BUILDING G STERLING HEIGHTS, MI 48310 | BLUE CARE NETWORK OF MICHIGAN | $36K | — | $36K | 4.69% |
| ACTION BENEFITS COMPANY3 Filed as: ACTION BENEFITS | 24600 NORTHWESTER HWY SOUTHFIELD, MI 48075 | BLUE CARE NETWORK OF MICHIGAN | $8K | — | $8K | 1.04% |
| BENEFIT PARTNERS LLC DBA SALUS GROU3 Filed as: BENEFIT PARTNERS LLC SALUS GROUP | 38221 MOUND ROAD BUILDING G STERLING HEIGHTS, MI 48310 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 5.93% |
| BENEFIT PARTNER LLC, SALUS GROUP3 Filed as: BENEFIT PARTNER LLC SALUS GROUP | 38221 MOUND ROAD BUILDING G STERLING HEIGHTS, MI 48310 | SUNLIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 14.98% |
| BENEFIT PARTNER LLC, SALUS GROUP3 Filed as: BENEFIT PARTNER LLC SALUS GROUP | 38221 MOUND ROAD BUILDING G STERLING HEIGHTS, MI 48310 | BLUE CARE NETWORK | $2K | — | $2K | 4.38% |
| ACTION BENEFITS COMPANY3 Filed as: ACTION BENEFITS | 24600 NORTHWESTERN HWY SOUTHFIELD, MI 48075 | BLUE CARE NETWORK | $527 | — | $527 | 1.04% |
| BENEFITS PARTNER LLC DBA SALUS3 Filed as: BENEFITS PARTNER LLC SALUS GROUP | 38221 MOUND ROAD BUILDING G STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 4.12% |
| BENEFITS PARTNER LLC DBA SALUS3 Filed as: BENEFITS PARTNER LLC SALUS GROUP | 38221 MOUND ROAD BUILDING G STERLING HEIGHTS, MI 48310 | VISION SERVICE PLAN | $1K | — | $1K | 5.64% |
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 | 156 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 197 | $862K |
| Dental | DELTA DENTAL OF MICHIGAN | 214 | $99K |
| Vision | VISION SERVICE PLAN | 104 | $19K |
| Life insurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 156 | $54K |
| Long-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 156 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.