| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF SOUTH CAR | 2040 BUSHY PARK RD GOOSE CREEK, SC 29445 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $0 | $276K | $276K | 9.50% |
| STACY V. HARRIS3 Filed as: STACY V.HARRIS | 38233 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $39K | $0 | $39K | 1.33% |
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER | 38233 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | UNUM | $46K | $0 | $46K | 15.15% |
| 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 | $14K | $0 | $14K | 15.20% |
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER | 38233 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | EYEMED VISION CARE | $3K | $0 | $3K | 10.13% |
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER | 38233 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | UNUM | $4K | $0 | $4K | 13.93% |
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER | 38233 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | UNUM | $2K | $0 | $2K | 13.90% |
| BENEFITS PARTNER LLC3 Filed as: BENEFITS PARTNER | 38233 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | UNUM | $2K | $0 | $2K | 10.12% |
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 | 316 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 373 | $2.9M |
| Dental | DELTA DENTAL | 518 | $141K |
| Vision | EYEMED VISION CARE | 460 | $30K |
| Life insurance(2 contracts) | UNUM | 605 | $109K |
| Short-term disability | UNUM | 290 | $303K |
| Long-term disability | UNUM | 290 | $303K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 373 | $2.9M |
| Other(5 contracts) | UNUM | 605 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 605 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.