| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH J HANEY3 Filed as: JOSEPH J. HANEY | 45260 VAN DYKE STERLING HEIGHTS, MI 483143323 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $47K | — | $47K | 4.50% |
| ACTION BENEFITS COMPANY3 | 25800 NORTHWESTERN HIGHWAY, SUITE 6 SOUTHFIELD, MI 480758075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | — | $3K | 0.30% |
| THE STERLING GROUP INC3 Filed as: THE STERLING GROUP INC. | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 483131318 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $877 | $877 | 0.08% |
| THE STERLING GROUP INC3 Filed as: THE STERLING GROUP INC. | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $5K | 8.64% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN LLC | 25900 W. 11 MILE ROAD SUITE 210 SOUTHFIELD, MI 48034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.14% |
| THE STERLING GROUP INC3 Filed as: THE STERLING GROUP INC. | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 12.75% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN LLC | 25900 W. 11 MILE ROAD SUITE 210 SOUTHFIELD, MI 48034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.02% |
| THE STERLING GROUP INC3 Filed as: THE STERLING GROUP INC. | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $3K | 10.83% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN LLC | 25900 W. 11 MILE ROAD SUITE 210 SOUTHFIELD, MI 48034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.39% |
| THE STERLING GROUP INC3 Filed as: THE STERLING GROUP INC. | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $816 | $749 | $2K | 10.69% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN LLC | 25900 W. 11 MILE ROAD SUITE 210 SOUTHFIELD, MI 48034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $648 | — | $648 | 4.43% |
| STERLING INSURANCE GROUP Filed as: STERLING INSURANCE AGENCY | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | VISION SERVICE PLAN | $739 | — | $739 | 7.52% |
| THE STERLING GROUP INC3 Filed as: THE STERLING GROUP INC. | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $530 | $488 | $1K | 10.70% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN LLC | 25900 W. 11 MILE ROAD SUITE 210 SOUTHFIELD, MI 48034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $421 | — | $421 | 4.43% |
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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 144 | $1.0M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 80 | $60K |
| Vision | VISION SERVICE PLAN | 71 | $10K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $42K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $15K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 144 | $1.0M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.