| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS PARTNER LLC3 | 38233 MOUND RD BUILDING F STERLING HEIGHTS, OH 48310 | DELTA DENTAL | $10K | — | $10K | 10.00% |
| BENEFITS PARTNER LLC3 | 38233 MOUND RD, BUILDING F STERLING HEIGHTS, OH 48310 | MUTUAL OF OMAHA | $3K | $2K | $5K | 23.04% |
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER | 38233 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | MUTUAL OF OMAHA | $2K | $859 | $3K | 21.01% |
| BENEFITS PARTNER LLC3 | 38233 MOUND RD, BUILDING F STERLING HEIGHTS, OH 48310 | EYEMED VISION CARE | $1K | — | $1K | 10.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH PLANS INC EIN 04-2734278 THIRD PARTY ADMINISTRATOR | Claims processing; Other services Service code 12 | HEALTH PLANS INC 1500 WEST PARK DRIVE WESTBOROUGH, MA 01581 | $113K |
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 | 141 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 279 | $105K |
| Vision | EYEMED VISION CARE | 223 | $12K |
| Life insurance | MUTUAL OF OMAHA | 39 | $14K |
| Long-term disability | MUTUAL OF OMAHA | 141 | $23K |
| Other | MUTUAL OF OMAHA | 39 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.