| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS PARTNER LLC3 | 38523 STERLING HEIGHTS BLDG F STERLING HEIGHTS, MI 48310 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $98K | $0 | $98K | 4.60% |
| BENEFITS PARTNER LLC3 | 38523 STERLING HEIGHTS BLDG F STERLING HEIGHTS, MI 48310 | DELTA DENTAL OF MICHIGAN | $15K | $410 | $15K | 10.38% |
| BENEFITS PARTNER LLC3 | 38523 STERLING HEIGHTS BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 21.49% |
| BENEFITS PARTNER LLC3 | 38523 STERLING HEIGHTS BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $8K | 21.30% |
| BENEFITS PARTNER LLC3 | 38523 STERLING HEIGHTS BLDG F STERLING HEIGHTS, MI 48310 | VISION SERVICE PLAN | $1K | — | $1K | 3.23% |
| BENEFITS PARTNER LLC3 | 38523 STERLING HEIGHTS BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $6K | 21.21% |
| UNITED OF OMAHA LIFE INSURANCE CO3 Filed as: UNITED OF OMAHA LIFE INSURANCE COMP | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | — |
| BENEFITS PARTNER LLC3 | 38523 STERLING HEIGHTS BLDG F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $386 | $386 | — |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 329 | $146K |
| Vision | VISION SERVICE PLAN | 182 | $38K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $73K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 161 | $0 |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 161 | $40K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.