| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTE, BRIAN3 | PO BOX 700 CADILLAC, MI 49601 | PRIORITY HEALTH | $27K | — | $27K | 3.07% |
| ADVANCED BENEFIT SOLUTIONS INC3 | PO BOX 700 CADILLAC, MI 49601 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 4.31% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL STREET CADILLAC, MI 49601 | HARTFORD LIFE AND ACCIDENT | $6K | $3K | $10K | 14.43% |
| WILLIT, GREGORY J3 | 4320 44TH ST SW STE 102 GRANDVILLE, MI 49418 | VISION SERVICE PLAN INSURANCE COMPANY | $0 | $8K | $8K | 32.26% |
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 | 269 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 356 | $883K |
| Dental | DELTA DENTAL OF MICHIGAN | 389 | $115K |
| Vision | VISION SERVICE PLAN INSURANCE COMPANY | 152 | $23K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 269 | $69K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 269 | $69K |
| Prescription drug | PRIORITY HEALTH | 356 | $883K |
| Other | HARTFORD LIFE AND ACCIDENT | 269 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.