| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN WHITE3 Filed as: BRIAN T COTE | 1406 N MITCHELL ST CADILLAC, MI 49601 | BLUE CARE NETWORK | $52K | — | $52K | 2.39% |
| WESLEY SPENCER3 | 528 4TH ST NW 01 GRAND RAPIDS, MI 49504 | BLUE CARE NETWORK | $42K | $1K | $43K | 1.95% |
| ADV BNFT SLTN INC DBA 44 NORTH3 | 1406 N MITCHELL ST CADILLAC, MI 49601 | BLUE CARE NETWORK | — | $913 | $913 | 0.04% |
| AXIOS INSURANCE ADVISORS, LLC3 Filed as: AXIOS INSURANCE ADVISORS LLC | 528 4TH ST NW GRAND RAPIDS, MI 49504 | STARMOUNT LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| AXIOS INSURANCE ADVISORS, LLC3 Filed as: AXIOS INSURANCE ADVISORS LLC | 528 4TH ST NW GRAND RAPIDS, MI 49504 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 15.38% |
| AXIOS INSURANCE ADVISORS, LLC3 Filed as: AXIOS INSURANCE ADVISORS LLC | 528 4TH ST NW GRAND RAPIDS, MI 49504 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 64.88% |
| ENROLLLEASE INC3 Filed as: ENROLLLEASE LLC EASECENTRAL | 1980 FESTIVAL PLAZA DR STE LAS VEGAS, NV 89135 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $60 | — | $60 | 0.55% |
| TITAN BENEFIT COMMUNICATIONS LLC3 | 504 EAST 4TH ST ROYAL OAK, MI 48067 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $111 | — | $111 | 2.80% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC. | 56 GRANDVILLE AVE SW GRAND RAPIDS, MI 49503 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 1.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF IN LTD | 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.20% |
| AXIOS INSURANCE ADVISORS, LLC3 Filed as: AXIOS INSURANCE ADVISORS LLC | 528 4TH ST NW GRAND RAPIDS, MI 49504 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 42.03% |
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 | 204 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK | 557 | $2.2M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 141 | $84K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 141 | $84K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 239 | $56K |
| Prescription drug | BLUE CARE NETWORK | 557 | $2.2M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 239 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 557 | — |
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.
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.