| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS PARNTER LLC3 Filed as: BENEFITS PARNTER LLC DBA SALUS GROU | 38221 MOUND ROAD BLDG G STERLING HEIGHTS, MI 48310 | HAP PREFERRED INC | $68K | — | $68K | 18.61% |
| BENEFIT PARTNERS GROUP LLC3 Filed as: BENEFIT PARTNERS LLC | 38221 MOUND ROAD BLDG G STERLING HEIGHTS, MI 48310 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.31% |
| BENEFIT PARTNERS GROUP LLC3 Filed as: BENEFIT PARTNERS LLC | 38221 MOUND ROAD BLDG G STERLING HEIGHTS, MI 48310 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 14.65% |
| BENEFIT PARTNER LLC3 | 38221 MOUND ROAD BLDG G STERLING HEIGHTS, MI 48310 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HAP PREFERRED INC EIN 38-2513504 TPA | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Insurance services; Contract Administrator; Claims processing Service code 12 | 2850 W. GRAND BLVD DETROIT, MI 48202 | $0 |
| MERITAIN HEALTH EIN 16-1264154 TPA | Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance services; Claims processing; Contract Administrator; Consulting (general) Service code 12 | 509 PROGRESS DRIVE SUITE 117 LINTHICUM, MD 21090 | $0 |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAP PREFERRED INC | 299 | $364K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 172 | $32K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 147 | $16K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 172 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.