| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN W SCHUEMANN3 Filed as: JOHN SCHUEMANN | 244 N ROSE ST KALAMAZOO, MI 490073887 | BLUE CARE NETWORK OF MICHIGAN | $26K | — | $26K | 2.32% |
| BRIAN T COTE3 Filed as: BRIAN COTE | 1406 N MITCHELL STREET CADILLAC, MI 49601 | BLUE CARE NETWORK OF MICHIGAN | $12K | — | $12K | 1.02% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS, INC | P.O. BOX 700 CADILLAC, MI 49601 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 2.06% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 N ROSE ST KALAMAZOO, MI 490073887 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 1.90% |
| ACRISURE LLC3 Filed as: ACRISURE GREAT LAKES PARTNERS INSUR | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $732 | — | $732 | 0.79% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 N ROSE ST KALAMAZOO, MI 490073887 | LINCOLN FINANCIAL GROUP | $1K | — | $1K | 7.54% |
| ACRISURE LLC3 Filed as: ACRISURE GREAT LAKES PARTNERS INSUR | 223 W GRAND AVE 1 HOWELL, MI 48843 | LINCOLN FINANCIAL GROUP | $1K | — | $1K | 7.46% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 N ROSE ST KALAMAZOO, MI 490073887 | VISION SERVICE PLAN | $347 | — | $347 | 2.44% |
| ACRISURE LLC3 Filed as: ACRISURE GREAT LAKES PARTNERS INSUR | 223 W GRAND RIVER AVE 1 HOWELL, MI 48843 | VISION SERVICE PLAN | $237 | — | $237 | 1.66% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL STREET CADILLAC, MI 49601 | VISION SERVICE PLAN | $128 | — | $128 | 0.90% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 N ROSE ST KALAMAZOO, MI 490073887 | LINCOLN FINANCIAL GROUP | $1K | — | $1K | 7.52% |
| ACRISURE LLC3 Filed as: ACRISURE GREAT LAKES PARTNERS INSUR | 223 W GRAND AVE 1 HOWELL, MI 48843 | LINCOLN FINANCIAL GROUP | $1K | — | $1K | 7.48% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL STREET CADILLAC, MI 49601 | HARTFORD LIFE AND ACCIDENT | $345 | $170 | $515 | 15.12% |
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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 188 | $1.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 193 | $93K |
| Vision | VISION SERVICE PLAN | 80 | $14K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN FINANCIAL GROUP | 133 | $17K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN FINANCIAL GROUP | 133 | $20K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 188 | $1.1M |
| Other(2 contracts, 2 carriers) | LINCOLN FINANCIAL GROUP | 133 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.