| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT L. HUGHES3 Filed as: ROBERT L HUGHES | 89 MONROE CTR NW STE 200 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $3K | — | $3K | 3.01% |
| BRIAN COTE3 | P.O. BOX 700 CADILLAC, MI 49601 | PRIORITY HEALTH | $2K | — | $2K | 1.98% |
| MMA SERVICE CORP3 | 620 SOUTH CAPITOL AVENUE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| ADVANTAGE BENEFITS GROUP3 | 89 MONROE CENTER NW STE 200 GRAND RAPIDS, MI 49503 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 4.53% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS | 1 IONIA AVENUE SW, STE 300 GRAND RAPIDS, MI 49503 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.33% |
| BRIAN COTE3 | P.O. BOX 700 CADILLAC, MI 49601 | PRIORITY HEALTH INSURANCE COMPANY | $2K | — | $2K | 4.00% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVENUE SW STE 300 GRAND RAPIDS, MI 49503 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 7.62% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS | 1406 NORTH MITCHELL STREET CADILLAC, MI 49601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $882 | — | $882 | 2.38% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC. | 1 IONIA AVENUE SW STE 300 GRAND RAPIDS, MI 495034145 | VISION SERVICE PLAN | $512 | — | $512 | 4.70% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS | 1406 N MITCHELL ST CADILLAC, MI 496011129 | VISION SERVICE PLAN | $270 | — | $270 | 2.48% |
| BRIAN COTE3 | P.O. BOX 700 CADILLAC, MI 49601 | PRIORITY HEALTH INSURANCE COMPANY | $293 | — | $293 | 3.99% |
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 | 169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | PRIORITY HEALTH | 31 | $182K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 316 | $90K |
| Vision | VISION SERVICE PLAN | 74 | $11K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 316 | $90K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 146 | $37K |
| Prescription drug(3 contracts, 2 carriers) | PRIORITY HEALTH | 31 | $182K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 316 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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.