| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEITH W VARHOL3 Filed as: KEITH VARHOL | 38233 MOUND ROAD BUILDING F STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $24K | $47K | $71K | 10.48% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BUILDING F STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $3K | $3K | 0.51% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BUILDING F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSUR CO | $5K | $0 | $5K | 5.91% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BUILDING F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSUR CO | $5K | $0 | $5K | 13.00% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BUILDING F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSUR CO | $10K | $0 | $10K | 26.00% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BUILDING F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSUR CO | $4K | $0 | $4K | 10.85% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BUILDING F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSUR CO | $3K | $0 | $3K | 15.00% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BUILDING F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSUR CO | $2K | $0 | $2K | 15.00% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BUILDING F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSUR CO | $1K | $0 | $1K | 15.01% |
| KEITH W VARHOL3 Filed as: KEITH VARHOL | 38233 MOUND ROAD BUILDING F STERLING HEIGHTS, MI 483103466 | BLUE CROSS BLUE SHIELD OF MICHIGAN - VISION | $36K | $0 | $36K | 916.27% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BUILDING F STERLING HEIGHTS, MI 483103466 | BLUE CROSS BLUE SHIELD OF MICHIGAN - VISION | $0 | $3K | $3K | 88.68% |
| UNITED OF OMAHA LIFE INSURANCE CO3 Filed as: UNITED OF OMAHA LIFE INSUR CO | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSUR CO | $0 | $4K | $4K | — |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BUILDING F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSUR CO | $1K | $0 | $1K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MI EIN 38-2069753 CONTRACT ADMIN | Contract Administrator; Direct payment from the plan; Consulting (general); Insurance services; Float revenue; Claims processing; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $238K |
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 | 146 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 146 | 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 | 129 | $676K |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 129 | $676K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 243 | $680K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSUR CO | 146 | $121K |
| Short-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSUR CO | 132 | $39K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSUR CO | 34 | $34K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 129 | $676K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 129 | $676K |
| Other(8 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSUR CO | 146 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.