| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS PARTNER LLC DBA SALUS3 Filed as: BENEFITS PARTNER LLC, SALUS GROUP | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | ALLIANCE HEALTH & LIFE INSURANCE COMPANY | $99K | — | $99K | 5.21% |
| BENEFITS PARTNER LLC DBA SALUS3 Filed as: BENEFITS PARTNER LLC, SALUS GROUP | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | DELTA DENTAL OF MICHIGAN | $16K | $550 | $16K | 10.44% |
| BENEFITS PARTNER LLC DBA SALUS3 Filed as: BENEFITS PARTNER LLC, SALUS GROUP | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | VISION SERVICE PLAN | $2K | — | $2K | 3.80% |
| BENEFITS PARTNER LLC DBA SALUS3 Filed as: BENEFITS PARTNER LLC, SALUS GROUP | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $845 | $6K | 17.48% |
| BENEFITS PARTNER LLC DBA SALUS3 Filed as: BENEFITS PARTNER LLC, SALUS GROUP | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $687 | $5K | 17.46% |
| BENEFITS PARTNER LLC DBA SALUS3 Filed as: BENEFITS PARTNER LLC, SALUS GROUP | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $518 | $4K | 17.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 TPA | Claims processing; Insurance services; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator 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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLIANCE HEALTH & LIFE INSURANCE COMPANY | 315 | $1.9M |
| Dental | DELTA DENTAL OF MICHIGAN | 381 | $156K |
| Vision | VISION SERVICE PLAN | 144 | $48K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 197 | $34K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 160 | $28K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 197 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.