| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS PARTNER LLC3 | 38233 MOUND RD BLDG F STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $832 | $832 | 0.04% |
| BENEFITS PARTNER LLC3 | 38233 MOUND RD BLDG F STERLING HEIGHTS, MI 48310 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.07% |
| BENEFITS PARTNER LLC3 | 38233 MOUND RD BLDG F STERLING HEIGHTS, MI 48310 | DELTA DENTAL OF MICHIGAN | $27K | $280 | $27K | 10.12% |
| BENEFITS PARTNER LLC3 | 38233 MOUND RD BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $31K | $9K | $39K | 19.30% |
| BENEFITS PARTNER LLC3 | 38233 MOUND RD BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $2K | $13K | 18.17% |
| BENEFITS PARTNER LLC3 | 38233 MOUND RD BLDG F STERLING HEIGHTS, MI 48310 | VISION SERVICE PLAN | $2K | — | $2K | 3.22% |
| BENEFITS PARTNER LLC3 | 38233 MOUND RD BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 18.09% |
| BENEFITS PARTNER LLC3 | 38233 MOUND RD BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 21.22% |
| BENEFITS PARTNER LLC3 | 38233 MOUND RD BUILDING G STERLING HEIGHTS, MI 48310 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 100.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 SERVICE PROVIDER | Contract Administrator; Claims processing Service code 12 | PO BOX 44347 MADISON, WI 53744 | $5K |
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 | 399 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 353 | $4.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 744 | $268K |
| Vision | VISION SERVICE PLAN | 363 | $65K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 406 | $100K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 402 | $203K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 404 | $50K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 353 | $4.0M |
| Other | ULLIANCE, INC | 505 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 744 | — |
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."
No prospect flags tripped on this filing.