| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE GREAT LAKES PARTNERS INS | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 1.74% |
| JOHN O'CONNOR3 | ADVANCED BENEFIT SOLUTIONS PO BOX 700 CADILLAC, MI 48601 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 1.24% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS | 1406 N MITCHELL ST CADILLAC, MI 496011129 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $8K | $12K | 31.91% |
| ASCRISURE GREAT LAKES PARTNERS INS3 | 223 W GRAND RIVER AVE STE 1 HOWELL, MI 488432270 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $508 | $8K | 21.63% |
| ACRISURE LLC3 Filed as: ACRISURE GREAT LAKES PARTNERS INS | 223 WEST GRAND RIVER AVE #1 HOWELL, MI 48843 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $210 | — | $210 | 6.35% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS | DBA 44NORTH 1406 N MITCHELL ST CADILLAC, MI 49601 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $122 | — | $122 | 3.69% |
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 | 260 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 504 | $178K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 62 | $3K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 478 | $38K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 478 | $38K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 478 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 504 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.