| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCE BENEFIT SOLUTIONS3 | 1406 NORTH MITCHELL ST CADILLAC, MI 49601 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $45K | — | $45K | 2.40% |
| JOHN O'CONNOR3 Filed as: JOHN F. O'CONNOR | 1406 N. MITCHELL ST CADILLAC, MI 49601 | BLUE CROSS BLUE SHIELD OF MICHGIAN | $12K | — | $12K | 5.07% |
| ADV BNFT SLTN INC DBA 44 NORTH3 Filed as: ADV BNFT SLTN INC. DBA 44 NORTH | 1406 N MITCHELL ST CADILLAC, MI 496019601 | BLUE CROSS BLUE SHIELD OF MICHGIAN | — | $542 | $542 | 0.24% |
| ADVANCED BENEFIT SOLUTIONS INC3 | PO BOX 747 MARQUETTE, MI 49855 | THE GUARDIAN LIFE INSURANCE COMPANY | $13K | — | $13K | 12.90% |
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 | 243 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 583 | $1.9M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHGIAN | 604 | $230K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHGIAN | 604 | $230K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 264 | $103K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 264 | $103K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 264 | $103K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY | 264 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 604 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.