| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER, LLC | 38233 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | UNITED HEALTHCARE | $6 | -$145 | -$139 | -0.00% |
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER, LLC | 38233 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.00% |
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER, LLC | 38233 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $7K | 7.46% |
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER, LLC | 38233 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $6K | 8.07% |
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER, LLC | 38233 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.00% |
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER, LLC | 38233 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $891 | $0 | $891 | 10.00% |
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER, LLC | 38233 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $733 | $0 | $733 | 9.99% |
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER, LLC | 38233 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | METROPOLITAN LIFE INSURANCE CORP | $193 | $0 | $193 | — |
| ROGERS BENEFIT GROUP INC Filed as: ROGERS BENEFIT GROUP, INC | 5110 N. 40TH ST SUITE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE CORP | $48 | $0 | $48 | — |
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 | 377 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE | 383 | $3.3M |
| Dental(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 266 | $248K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 196 | $22K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 377 | $89K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 343 | $76K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 256 | $80K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 377 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 383 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.