| 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 | PO BOX 747 MARQUETTE, MI 49855 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 10.10% |
| ACRISURE LLC3 Filed as: ACRISURE GREAT LAKES PARTNERS INS | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 3.94% |
| ACRISURE LLC3 Filed as: ACRISURE GREAT LAKES PARTNERS INS | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 2.71% |
| ADVANCED BENEFIT SOLUTION3 Filed as: ADVANCED BENEFITS SOLUTIONS, INC. | DBA 44N PO BOX 700 CADILLAC, MI 49601 | DELTA DENTAL OF MICHIGAN | $1K | — | $1K | 1.83% |
| DAVID HONAMAN3 | 1406 N MITCHELL ST CADILLAC, MI 49601 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $1K | — | $1K | 10.88% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS, INC | 1406 N MITCHELL ST CADILLAC, MI 49601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $852 | — | $852 | 7.82% |
| JOY A RYBICKI3 | 71 129TH AVE WAYLAND, MI 49348 | CONTINENTAL AMERICAN INSURANCE COMPANY | $543 | — | $543 | 4.98% |
| SARAH E MEANY3 Filed as: SARAH ELIZABETH MEANY | 3746 CHAMBERLAIN AVE SE GRAND RAPIDS, MI 49508 | CONTINENTAL AMERICAN INSURANCE COMPANY | $102 | — | $102 | 0.94% |
| RONALD A DASHKOVITZ3 Filed as: RONALD ALLEN DASHKOVITZ | 1901 N FAIRVIEW AVE LANSING, MI 48912 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | — | $50 | 0.46% |
| MARY EVELYN LEGGETT3 | 522 MAPLE ST ALLEGAN, MI 49010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | — | $49 | 0.45% |
| WILLIAM JOHNSON & ASSOC LLC3 Filed as: WILLIAM JOHNSON & ASS LLC | 17276 VIOLEN RUTH CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.28% |
| JOHN TERMEER3 | 2620 WINESAP DR NE GRAND RAPIDS, MI 49525 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.21% |
| ASHLEY M MESSENGER3 Filed as: ASHLEY MARIE MESSENGER | 41 26TH ST N BATTLE CREEK, MI 49015 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.20% |
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 | 101 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 177 | $1.4M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 148 | $73K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 148 | $73K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 148 | $73K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 148 | $73K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 148 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.