| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | BLUE CARE NETWORK OF MICHIGAN | $58K | $2K | $59K | 3.07% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $25K | $647 | $25K | 2.95% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | DELTA DENTAL OF MICHIGAN | $26K | — | $26K | 9.97% |
| PAUL CELLA3 | 101 CRAWFORDS CORNER ROAD SUITE 1300 HOLMDEL, NJ 07733 | THE LINCOLN NATIONAL LIFE INSURNACE COMPANY | $4K | $8K | $12K | 7.50% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | THE LINCOLN NATIONAL LIFE INSURNACE COMPANY | $4K | — | $4K | 2.50% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | THE LINCOLN NATIONAL LIFE INSURNACE COMPANY | $5K | — | $5K | 7.50% |
| PAUL CELLA3 | 101 CRAWFORDS CORNER ROAD HOLMDEL, NJ 07733 | THE LINCOLN NATIONAL LIFE INSURNACE COMPANY | $5K | — | $5K | 7.50% |
| PAUL CELLA3 | 101 CRAWFORDS CORNER ROAD SUITE 1300 HOLMDEL, NJ 07733 | THE LINCOLN NATIONAL LIFE INSURNACE COMPANY | $240 | $481 | $721 | 7.48% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | THE LINCOLN NATIONAL LIFE INSURNACE COMPANY | $240 | — | $240 | 2.49% |
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 | 230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 453 | $2.8M |
| Dental | DELTA DENTAL OF MICHIGAN | 569 | $259K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURNACE COMPANY | 230 | $10K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURNACE COMPANY | 115 | $65K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURNACE COMPANY | 201 | $154K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURNACE COMPANY | 230 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 569 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.