| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARL R MESSING3 | 691 N. SQUIRREL RD SUITE 190 AUBURN HILLS, MI 48326 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $41K | — | $41K | 1.97% |
| SCOTT HARRISON3 | 691 N. SQUIRREL RD SUITE 115 AUBURN HILLS, MI 48326 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $22K | — | $22K | 1.06% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.06% |
| VINCENT J. ROSE3 Filed as: VINCENT BABCOCK | ADVANCED BENEFIT SOLUTIONS, INC. 300 S FRONT ST MARQUETTE, MI 49855 | AMFIRST | $21K | — | $21K | 8.29% |
| MORGAN WHITE LIMITED3 Filed as: MORGAN WHITE LIMITED DBA | MWG BROKER SERVICES PO BOX 14067 JACKSON, MS 39236 | AMFIRST | $10K | — | $10K | 4.00% |
| VINCENT J. ROSE3 Filed as: VINCENT BABCOCK | ACRISURE GREAT LAKES PARTNERS INS 223 W GRAND RIVER AVE #1 HOWELL, MI 48843 | AMFIRST | $4K | — | $4K | 1.71% |
| MATTHEW G BERGER3 Filed as: MATTHEW HERREN | — | AMFIRST | $3K | — | $3K | 1.00% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL ST CADILLAC, MI 49601 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $22K | $44K | 30.62% |
| ACRISURE LLC3 | DBA VAST MARQUETTE, MI 49855 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $5K | $13K | 42.43% |
| DAVID PEPIN3 | 4176 STATE HWY M-35 ESCANABA, MI 49829 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 21.35% |
| BRITT CURNOW3 Filed as: BRITT ELIZABETH CURNOW | 817 US 2 SOUTH CRYSTAL FALLS, MI 49920 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $2K | $3K | 10.56% |
| MEGAN LIN MILLS3 | 6709 W M 28 BRIMLEY, MI 49715 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $3K | 9.05% |
| MARKS BENEFIT MANAGEMENT LLC3 | 3847 E SPYGLASS HILL DR FAYETTEVILLE, AR 72701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $688 | $2K | 6.34% |
| MARGARET BRENDA HANCOCK3 | 2 WHITE PINE WAY KINCHELOE, MI 49788 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $94 | $2K | 5.77% |
| DANIEL JOSPEH OCHOA3 | 6070 N BIRCH HILL KIMBALL, MI 48074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $303 | $176 | $479 | 1.60% |
| MARY DAUGHERTY3 | PO BOX 119 ROCKY TOP, TN 37769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $327 | $15 | $342 | 1.14% |
| HOWARD J HOROWITZ3 | 2610 ALCOTT ST CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | $16 | $85 | 0.28% |
| AMY E COHEN3 | 19967 VILLA LANTE PL BOCA RATON, FL 33434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | $7 | $61 | 0.20% |
| JOSHUA JAMES HAYES3 | 4540 LEE PIKE SODDY DAISY, TN 37379 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $28 | $53 | 0.18% |
| RYAN JAMES VETACK3 | 2710 DOUBLE TREE WAY SPRING HILL, TN 37174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $12 | $37 | 0.12% |
| PEACOCK FINANCIALS INC3 | 11830 NW 32ND MNR SUNRISE, FL 33323 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $15 | $23 | 0.08% |
| BRANDON MARCELLO CENTO3 | 13816 FERNLEAF WAY CARMEL, IN 46033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| ADVANCED BENEFIT SOLUTION3 Filed as: ADVANCED BENEFIT SOLUTIONS DBA | 44NORTH 1406 N. MITCHELL ST. CADILLAC, MI 49601 | EYEMED VISION CARE | $2K | — | $2K | 20.09% |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 384 | $2.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 345 | $144K |
| Vision | EYEMED VISION CARE | 391 | $10K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 384 | $2.1M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 33 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 391 | — |
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."
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.