| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JENNIFER LEE WOLFE3 Filed as: JENNIFER L MICHELIN | PO BOX 747 MARQUETTE, MI 49855 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $25K | — | $25K | 2.51% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL ST CADILLAC, MI 49601 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $11K | $28K | 33.12% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS, INC. | PO BOX 700 CADILLAC, MI 49601 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 3.64% |
| ACRISURE LLC3 | DBA VAST MARQUETTE, MI 49855 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $6K | 26.54% |
| MARK ALAN ERICKSON3 | 1519 10.5 LN BARK RIVER, MI 49807 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 17.22% |
| DAVID PEPIN3 | 4176 STATE HWY M-35 ESCANABA, MI 49829 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 13.02% |
| BRITT ELIZABETH CURNOW3 | 817 U S 2 SOUTH CRYSTAL FALLS, MI 49920 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 11.90% |
| MARKS BENEFIT MANAGEMENT LLC3 | 3847 E SPYGLASS HILL DR FAYETTEVILLE, AR 72701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $681 | $367 | $1K | 5.00% |
| JAN M WOLF3 Filed as: JAN WOLF | PO BOX 121 ISHPEMING, MI 49849 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | — | $123 | 0.59% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS | PO BOX 700 CADILLAC, MI 49601 | NATIONAL GUARDIAN LIFE INSURANCE | $1K | — | $1K | 10.59% |
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 | 164 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 149 | $983K |
| Dental | DELTA DENTAL OF MICHIGAN | 164 | $78K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE | 77 | $14K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 299 | $83K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 299 | $83K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 299 | $83K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 299 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.