| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIDGET FAZZOLARA3 | 38221 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | CAPITAL HEALTH PLAN | $51K | $0 | $51K | 3.21% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF FLORIDA | $26K | $0 | $26K | 4.00% |
| BENEFITS PARTNER LLC3 | 38233 MOUND RD BUILDING F STERLING HEIGHTS, OH 48310 | PRINCIPAL LIFE INSURANCE COMPANY | $23K | $0 | $23K | 7.85% |
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER | 38233 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | HEALTHIEST YOU | $4K | $0 | $4K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHIEST YOU EIN 30-0947669 ADMINISTRATOR | Accounting (including auditing) Service code 10 | 1585 SUMMIT EAST DR STE 200 TALLAHASSEE, FL 32317 | $30K |
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 | 260 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 64 | $646K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 460 | $290K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 460 | $290K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 460 | $290K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 460 | $290K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 460 | $290K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 64 | $646K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 460 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 460 | — |
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.