| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $24K | $685 | $25K | 2.20% |
| JAY WILEY OFIELD | 528 4TH STREET GRAND RAPIDS, MI 49504 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $10K | — | $10K | 0.88% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | BLUE CARE NETWORK OF MICHIGAN | $26K | $1K | $27K | 2.62% |
| JAY WILEY OFIELD3 | 528 4TH STREET GRAND RAPIDS, MI 49504 | BLUE CARE NETWORK OF MICHIGAN | $10K | — | $10K | 0.96% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 6.68% |
| LOXLEY GROUP, LLC3 Filed as: LOXLEY GROUP | 460 ADA DRIVE SE STE 222 GRAND RAPIDS, MI 49301 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 2.48% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.80% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 15.25% |
| LOXLEY GROUP, LLC3 Filed as: LOXLEY GROUP | 460 ADA DRIVE SE STE 222 GRAND RAPIDS, MI 49301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.75% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 25.89% |
| LOXLEY GROUP, LLC3 Filed as: LOXLEY GROUP | 460 ADA DRIVE SE STE 222 GRAND RAPIDS, MI 49301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.99% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 14.82% |
| LOXLEY GROUP, LLC3 Filed as: LOXLEY GROUP | 460 ADA DRIVE SE STE 222 GRAND RAPIDS, MI 49301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.98% |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 170 | $2.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 258 | $109K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 633 | $36K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $80K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $59K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $33K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 633 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.