| 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 | $52K | — | $52K | 3.12% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 0.13% |
| VINCENT J. ROSE3 Filed as: VINCENT BABCOCK | ADVANCED BENEFIT SOLUTIONS, INC. 300 S FRONT ST MARQUETTE, MI 49855 | AMFIRST | $22K | — | $22K | 10.00% |
| MORGAN WHITE LIMITED3 Filed as: MORGAN WHITE LIMITED DBA | MWG BROKER SERVICES PO BOX 14067 JACKSON, MS 39236 | AMFIRST | $9K | — | $9K | 4.00% |
| MATTHEW G BERGER3 Filed as: MATTHEW HERREN | — | AMFIRST | $2K | — | $2K | 1.00% |
| ADVANCED BENEFIT SOLUTION3 Filed as: ADVANCED BENEFIT SOLUTIONS DBA | 44NORTH 1406 N. MITCHELL ST. CADILLAC, MI 49601 | EYEMED VISION CARE | $2K | — | $2K | 9.98% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 138 | 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 | 364 | $1.9M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 364 | $1.7M |
| Vision | EYEMED VISION CARE | 357 | $16K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 364 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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.