| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS PARTNER LLC3 | 38221 MOUND ROAD STERLING HEIGHTS, MI 48310 | BLUE CARE NETWORK OF MICHIGAN | $0 | $2K | $2K | 0.15% |
| BENEFITS PARTNER LLC3 | 38221 MOUND ROAD STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $1K | $1K | 0.12% |
| BENEFITS PARTNER LLC3 | 38221 MOUND ROAD BLDG G STERLING HEIGHTS, MI 48310 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $297 | $22K | 8.01% |
| BENEFITS PARTNER LLC3 | 38221 MOUND ROAD BLDG G STERLING HEIGHTS, MI 48310 | SUN LIFE ASSURANCE COMPANY OF CANADA | $37K | — | $37K | 15.00% |
| BENEFITS PARTNER LLC3 | 38221 MOUND ROAD BLDG G STERLING HEIGHTS, MI 48310 | VISION SERVICE PLAN | $2K | — | $2K | 3.64% |
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 | 453 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 458 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 416 | $2.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 904 | $269K |
| Vision | VISION SERVICE PLAN | 346 | $52K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 904 | $517K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 419 | $248K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 419 | $248K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 419 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 904 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.