| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT PARTNERS LLC DBA SALUS GROU3 | 38221 MOUND RD, BLDG G STERLING HEIGHTS, MI 48310 | BLUE CARE NETWORK OF MICHIGAN | $18K | $0 | $18K | 1.83% |
| BENEFIT PARTNERS LLC DBA SALUS GROU3 | 38221 MOUND RD, BLDG G STERLING HEIGHTS, MI 48310 | BLUE CARE NETWORK OF MICHIGAN | $14K | $0 | $14K | 1.99% |
| BENEFIT PARTNERS LLC DBA SALUS GROU3 | 38221 MOUND RD, BLDG G STERLING HEIGHTS, MI 48310 | BLUE CARE NETWORK OF MICHIGAN | $10K | $0 | $10K | 1.86% |
| BENEFIT PARTNERS LLC DBA SALUS GROU3 | 38221 MOUND RD, BLDG G STERLING HEIGHTS, MI 48310 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 9.78% |
| GROUP ASSOCIATES, INC.3 Filed as: GROUP ASSOCIATES | 30800 TELEGRAPH, #3800 BINGHAM FARMS, MI 48025 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$19 | $0 | -$19 | -0.02% |
| BENEFIT PARTNERS LLC DBA SALUS GROU3 | 38221 MOUND RD, BLDG G STERLING HEIGHTS, MI 48310 | DELTA DENTAL OF MICHIGAN | $12K | $0 | $12K | 9.85% |
| BENEFIT PARTNERS LLC DBA SALUS GROU3 | 38221 MOUND RD, BLDG G STERLING HEIGHTS, MI 48310 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $2K | $216 | $2K | 1.64% |
| ACTION BENEFITS COMPANY3 | 24600 NORTHWESTERN HWY SOUTHFIELD, MI 480758075 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $1K | $0 | $1K | 0.92% |
| BENEFIT PARTNERS LLC DBA SALUS GROU3 | 38221 MOUND RD, BLDG G STERLING HEIGHTS, MI 48310 | DELTA DENTAL OF MICHIGAN | $4K | $0 | $4K | 9.93% |
| BENEFIT PARTNERS LLC DBA SALUS GROU3 | 38221 MOUND RD, BLDG G STERLING HEIGHTS, MI 48310 | BLUE CARE NETWORK OF MICHIGAN | $290 | $0 | $290 | 2.02% |
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 | 356 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 261 | $2.4M |
| Dental(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 372 | $280K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 294 | $124K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 294 | $124K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 294 | $124K |
| Prescription drug(4 contracts) | BLUE CARE NETWORK OF MICHIGAN | 261 | $2.3M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 294 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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.