| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BULD F STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHEILD OF MICHIGAN | $0 | $1K | $1K | 0.06% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BULD F STERLING HEIGHTS, MI 48310 | BLUE CARE NETWORK OF MICHIGAN | $0 | $2K | $2K | 0.12% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $2K | $28K | 8.45% |
| BENEFITS PARTNER LLC DBA SALUS3 Filed as: BENEFITS PARTNER LLC DBA SALUSGROUP | 37525 MOUND ROAD STERLING HEIGHTS, MI 48310 | SUN LIFE ASSURANCE COMPANY OF CANADA | $47K | $3K | $50K | 16.02% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | VISION SERVICE PLAN | $2K | — | $2K | 3.26% |
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 | 449 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHEILD OF MICHIGAN | 448 | $3.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,079 | $327K |
| Vision | VISION SERVICE PLAN | 414 | $63K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 452 | $311K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 452 | $311K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 452 | $311K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 452 | $311K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,079 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.