| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SALUS GROUP3 Filed as: SALUS GROUP - K VARHOL | 38233 MOUND ROAD BUILDING F STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $19K | $46K | $65K | 12.20% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BUILDING F STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $1K | $1K | 0.28% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BUILDING F STERLING HEIGHTS, MI 48310 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | $0 | $25K | 11.40% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BUILDING F STERLING HEIGHTS, MI 48310 | CONTINENTAL AMERICAN INSUR CO (AFLAC) | $5K | $0 | $5K | 18.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MI EIN 38-2069753 CONTRACT ADMIN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Direct payment from the plan; Insurance services; Float revenue; Other fees; Claims processing; Consulting (general) Service code 12 | — | $186K |
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 | 152 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 152 | 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 | 132 | $560K |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 132 | $531K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 132 | $531K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $224K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $224K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $224K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 132 | $531K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 132 | $531K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.