| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS PARTNER DBA SALUS GROU3 | 38233 MOUND ROAD BUILDING F STERLING HEIGHTS, MI 48310 | METROPOLITAN LIFE | $4K | $0 | $4K | 4.10% |
| BENEFITS PARTNER DBA SALUS GROU3 Filed as: BENEFITS PARTNER DBA SALUS GROUP | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $0 | $3K | 12.00% |
| BENEFITS PARTNER DBA SALUS GROU3 Filed as: BENEFITS PARTNER DBA SALUS GROUP | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 54401 | CONTINENTAL AMERICAN INSURANCE COMPANY AKA AFLAC | $2K | $0 | $2K | 8.87% |
| MICHELLE G POLLOCK3 Filed as: MICHELLE GRUBBS POLLOCK | 5444 OAKMONT DRIVE PACE, FL 32571 | CONTINENTAL AMERICAN INSURANCE COMPANY AKA AFLAC | $2K | $0 | $2K | 6.32% |
| LEIGH ANNE WHITE3 Filed as: LEIGH ANNE WHITE AVERY | 2533 REDFORD DR CANTONMENT, FL 32533 | CONTINENTAL AMERICAN INSURANCE COMPANY AKA AFLAC | $298 | $0 | $298 | 1.12% |
| BRIAN V ANDREWS3 Filed as: BRIAN VINCENT ANDREWS | 5728 TAMARACK DR PACE, FL 32571 | CONTINENTAL AMERICAN INSURANCE COMPANY AKA AFLAC | $210 | $0 | $210 | 0.79% |
| BENEFITS PARTNER DBA SALUS GROU3 Filed as: BENEFITS PARTNER DBA SALUS GROUP | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 54401 | MUTUAL OF OMAHA INSURANCE COMPANY | $852 | $0 | $852 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFITS PARTNER DBA SALUS GROUP EIN 20-2024076 BROKER | Claims processing Service code 12 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | $34K |
| UMR INC | Claims processing Service code 12 | — | $11K |
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 | 187 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE | 360 | $96K |
| Vision | METROPOLITAN LIFE | 360 | $96K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 187 | $29K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY AKA AFLAC | 187 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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.
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.