| 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 | $51K | — | $51K | 5.54% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN LLC | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 483131318 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $949 | — | $949 | 0.10% |
| ASSUREDPARTNERS4 Filed as: ASSURED PARTNERS OF MICHIGAN LLC | 25900 W. 11 MILE ROAD SUITE 210 SOUTHFIELD, MI 48034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 13.24% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN LLC | 25900 W. 11 MILE ROAD SUITE 210 SOUTHFIELD, MI 48034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 15.81% |
| ASSUREDPARTNERS4 Filed as: ASSURED PARTNERS OF MICHIGAN LLC | 25900 W. 11 MILE ROAD SUITE 210 SOUTHFIELD, MI 48034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $4K | 15.79% |
| 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 | $897 | $2K | 15.74% |
| 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 | $583 | $2K | 15.74% |
| STERLING INSURANCE GROUP Filed as: STERLING INSURANCE AGENCY | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | VISION SERVICE PLAN | $492 | — | $492 | 5.90% |
| ASSUREDPARTNERS Filed as: ASSURED PARTNERS OF MICHIGAN LLC | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | VISION SERVICE PLAN | $344 | — | $344 | 4.12% |
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 | 110 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 131 | $922K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 76 | $57K |
| Vision | VISION SERVICE PLAN | 66 | $8K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $41K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $26K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $16K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 131 | $922K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.