| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STACY V. HARRIS3 Filed as: STACY V HARRIS | 38221 MOUND ROAD, BLDG G STERLING HEIGHTS, MI 483103466 | BLUE CARE NETWORK OF MICHIGAN | $40K | $0 | $40K | 1.34% |
| BENEFIT PARTNERS LLC DBA SALUS GROU3 | 38233 MOUND RD, BLDG F STERLING HEIGHTS, MI 483103466 | BLUE CARE NETWORK OF MICHIGAN | — | $5K | $5K | 0.16% |
| STACY V. HARRIS3 Filed as: STACY V HARRIS | 38221 MOUND ROAD, BLDG G STERLING HEIGHTS, MI 483103466 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $3K | $0 | $3K | 1.17% |
| BENEFIT PARTNERS LLC DBA SALUS GROU3 | 38233 MOUND RD, BLDG F STERLING HEIGHTS, MI 483103466 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $0 | $231 | $231 | 0.09% |
| BENEFIT PARTNERS LLC DBA SALUS GROU3 | 38221 MOUND ROAD, BLDG F STERLING HEIGHTS, MI 483103466 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 9.79% |
| BENEFIT PARTNERS LLC DBA SALUS GROU3 | 38233 MOUND RD, BLDG F STERLING HEIGHTS, MI 483103466 | DELTA DENTAL OF MICHIGAN | $16K | $415 | $16K | 10.05% |
| BENEFIT PARTNERS LLC DBA SALUS GROU3 | 38233 MOUND RD, BLDG F STERLING HEIGHTS, MI 483103466 | DELTA DENTAL OF MICHIGAN | $5K | $127 | $5K | 10.11% |
| BENEFIT PARTNERS LLC DBA SALUS GROU3 | 38233 MOUND RD, BLDG F STERLING HEIGHTS, MI 483103466 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $53 | $4K | 12.01% |
| MMA SERVICE CORP5 | 620 S CAPITOL AVE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
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 | 626 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 626 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 775 | $3.3M |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 557 | $208K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 410 | $190K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 150 | $33K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 410 | $223K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 410 | $223K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 775 | $3.3M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 410 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 775 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.