| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN O'CONNOR3 Filed as: JOHN F O'CONNOR | 1406 N MITCHELL ST CADILLAC, MI 49601 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $42K | — | $42K | 2.97% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL ST CADILLAC, MI 49601 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $3K | $3K | 0.19% |
| ADVANCED BENEFIT SOLUTIONS INC3 | PO BOX 747 MARQUETTE, MI 49855 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 10.09% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $281 | $281 | 0.37% |
| ADVANCED BENEFIT SOLUTION3 Filed as: ADVANCED BENEFITS SOLUTIONS, INC. | DBA 44N PO BOX 700 CADILLAC, MI 49601 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 5.02% |
| DAVID HONAMAN3 | 1406 N MITCHELL ST CADILLAC, MI 49601 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $2K | — | $2K | 10.70% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS, INC. | 1406 N MITCHELL ST CADILLAC, MI 49601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 8.83% |
| JOY A RYBICKI3 | 71 129TH AVE WAYLAND, MI 49348 | CONTINENTAL AMERICAN INSURANCE COMPANY | $856 | — | $856 | 6.27% |
| MARY EVELYN LEGGETT3 | 522 MAPLE ST ALLEGAN, MI 49010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $183 | — | $183 | 1.34% |
| SARAH E MEANY3 Filed as: SARAH ELIZABETH MEANY | 3746 CHAMBERLAIN AVE SE GRAND RAPIDS, MI 49508 | CONTINENTAL AMERICAN INSURANCE COMPANY | $135 | — | $135 | 0.99% |
| WILLIAM JOHNSON & ASSOC LLC3 Filed as: WILLIAM JOHNSON & ASSOCIATES LLC | 17276 VIOLET RUTH CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $133 | — | $133 | 0.97% |
| JT PREMIER HOLDINGS LLC3 Filed as: MT PREMIER HOLDINGS LLC | 2620 WINESAP DRIVE NE GRAND RAPIDS, MI 49525 | CONTINENTAL AMERICAN INSURANCE COMPANY | $92 | — | $92 | 0.67% |
| ASHLEY M. MESSENGER3 Filed as: ASHLEY MARIE MESSENGER | 41 26TH ST N BATTLE CREEK, MI 49015 | CONTINENTAL AMERICAN INSURANCE COMPANY | $90 | — | $90 | 0.66% |
| NICOLE LEE DOLPHIN3 | 5314 QUEST DR SW WYOMING, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.13% |
| RONALD A DASHKOVITZ3 Filed as: RONALD ALLEN DASHKOVITZ | 1901 N FAIRVIEW AVE LANSING, MI 48912 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.12% |
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 | 122 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 186 | $1.4M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 161 | $71K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 150 | $76K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 150 | $76K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 150 | $76K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 150 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.