| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STACY V. HARRIS3 Filed as: STACY HARRIS | 38233 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | BLUE CARE NETWORK OF MICHIGAN | $44K | — | $44K | 2.64% |
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER | 38233 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | BLUE CARE NETWORK OF MICHIGAN | $0 | $2K | $2K | 0.15% |
| STACY V. HARRIS3 Filed as: STACY HARRIS | 38233 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $23K | $0 | $23K | 2.87% |
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER | 38233 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER | 38233 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | DELTA DENTAL | $12K | $0 | $12K | 8.66% |
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER | 38233 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 15.00% |
| THOMAS CHRISTOPHER SMITH Filed as: THOMAS SMITH | P.O. BOX 40386 798 BERRY RD NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $1K | $12K | 27.13% |
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER | 38233 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 20.72% |
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER | 38233 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 10.00% |
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 | 575 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 575 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 403 | $2.5M |
| Dental | DELTA DENTAL | 487 | $141K |
| Vision | EYEMED VISION CARE | 436 | $33K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 569 | $128K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 249 | $261K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 249 | $216K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 403 | $2.5M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 569 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 569 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.