| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 8.64% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS, INC | 1406 NORTH MITCHELL ST CADILLAC, MI 49601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 19.07% |
| BENEFIT PROFILES INC | UNIT 3, 3358 EAGLE RUN DR NE GRAND RAPIDS, MI 49525 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $987 | $987 | 5.61% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS, INC | 1406 NORTH MITCHELL ST CADILLAC, MI 49601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 18.66% |
| BENEFIT PROFILES INC3 | UNIT 3, 3358 EAGLE RUN DR NE GRAND RAPIDS, MI 49525 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $709 | $709 | 5.49% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS, INC | 1406 NORTH MITCHELL ST CADILLAC, MI 49601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $277 | — | $277 | 4.36% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS, INC | 1406 NORTH MITCHELL ST CADILLAC, MI 49601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $226 | — | $226 | 3.76% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS, INC | 1406 NORTH MITCHELL ST CADILLAC, MI 49601 | STARMOUNT LIFE INSURANCE COMPANY | $765 | — | $765 | 15.33% |
| BENEFIT PROFILES INC3 | UNIT 3, 3358 EAGLE RUN DR NE GRAND RAPIDS, MI 49525 | STARMOUNT LIFE INSURANCE COMPANY | — | $273 | $273 | 5.47% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS, INC | 1406 NORTH MITCHELL ST CADILLAC, MI 49601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $163 | — | $163 | 3.33% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS, INC | 1406 NORTH MITCHELL ST CADILLAC, MI 49601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $354 | — | $354 | 12.87% |
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 | 108 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 81 | $29K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 48 | $5K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 108 | $16K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 32 | $22K |
| Other(6 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 108 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.