| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER | 38233 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF FLORIDA | $64K | $0 | $64K | 4.00% |
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER | 38233 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | PRINCIPAL LIFE INSURANCE COMPANY | $24K | $0 | $24K | 13.63% |
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER | 38233 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | AFLAC CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 8.48% |
| MICHELLE G POLLOCK3 Filed as: MICHELLE GRUBBS POLLOCK | 5444 OAKMONT DR BUILDING F PACE, FL 32571 | AFLAC CONTINENTAL AMERICAN INSURANCE COMPANY | $167 | $0 | $167 | 0.73% |
| LEIGH ANNE WHITE3 Filed as: LEIGH ANNE WHITE AVERY | 2533 REDFORD CANTONMENT, FL 32533 | AFLAC CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | $0 | $32 | 0.14% |
| BRIAN V ANDREWS3 Filed as: BRIAN VINCENT ANDREWS | 5728 TAMARACK DR PACE, FL 32571 | AFLAC CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | $0 | $27 | 0.12% |
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 | 202 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 139 | $1.6M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 363 | $176K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 363 | $176K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 363 | $176K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 363 | $176K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 363 | $176K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 139 | $1.6M |
| Other | AFLAC CONTINENTAL AMERICAN INSURANCE COMPANY | 85 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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.