| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES F FOURNIER3 | 38221 MOUND RD BLDG G STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $32K | — | $32K | 2.84% |
| BRIAN WHITE3 Filed as: BRIAN T COTE | 1406 N MITCHELL STREET CADILLAC, MI 49601 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $24K | — | $24K | 2.15% |
| ACTION BENEFITS COMPANY3 | 24600 NORTHWESTERN SOUTHFIELD, MI 48075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $7K | — | $7K | 0.61% |
| GROTENHUIS3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | — | $5K | 0.46% |
| BENEFITS PARTNER LLC3 | 38221 MOUND ROAD STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.12% |
| BENEFITS PARTNER LLC3 | 38221 MOUND ROAD BLDG G STERLING HEIGHTS, MI 48310 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $80 | $2K | 9.07% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL STREET CADILLAC, MI 49601 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 4.88% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 231 | $1.1M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 231 | $1.1M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 231 | $1.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 149 | $27K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 231 | $1.1M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 149 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.