| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH J HANEY3 | 42560 VAN DYKE STERLING HEIGHTS, MI 48314 | BLUE CARE NETWORK OF MICHIGAN | $29K | — | $29K | 1.37% |
| THE STERLING GROUP INC3 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.06% |
| JOSEPH J HANEY3 | 42560 VAN DYKE STERLING HEIGHTS, MI 48314 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | — | $5K | 1.31% |
| THE STERLING GROUP INC3 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $169 | $169 | 0.05% |
| THE STERLING GROUP INC3 Filed as: THE STERLING GROUP, INC. | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 3.20% |
| INSGROUP INC3 Filed as: STERLING INSURANCE GROUP - MI | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 11.25% |
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 | 259 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 536 | $2.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 600 | $189K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 416 | $14K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 536 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 600 | — |
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."
No prospect flags tripped on this filing.