| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN WHITE3 Filed as: BRIAN T COTE | 1406 N MITCHELL ST CADILLAC, MI 49601 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $46K | — | $46K | 2.45% |
| CARL R MESSING3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $10K | — | $10K | 0.51% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 0.09% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL ST CADILLAC, MI 49601 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $9K | $20K | 25.61% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $11K | $15K | 19.64% |
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 | 158 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 239 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 406 | $76K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 406 | $2.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 406 | $76K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 406 | $76K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 239 | $1.9M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 406 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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."
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.