| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN O'CONNOR3 Filed as: JOHN F. O'CONNOR | 1406 N. MITCHELL ST CADILLAC, MI 49601 | BLUE CROSS BLUE SHIELD OF MICHGIAN | $48K | — | $48K | 1.94% |
| 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 | — | $4K | $4K | 0.14% |
| ADVANCED BENEFIT SOLUTION3 | 1406 NORTH MITCHELL STREET CADILLAC, MI 49601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 19.68% |
| ADVANCED BENEFIT SOLUTION3 | 1406 NORTH MITCHELL STREET CADILLAC, MI 49601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 19.77% |
| ADVANCED BENEFIT SOLUTION3 | 1406 NORTH MITCHELL STREET CADILLAC, MI 49601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $660 | $3K | 19.71% |
| JOHN O'CONNOR3 Filed as: JOHN F. O'CONNOR | 1406 N MITCHELL ST CADILLAC, MI 49601 | BLUE CARE NETWORK OF MICHIGAN | $206 | — | $206 | 2.07% |
| ADVANCE BENEFIT SOLUTIONS3 | 1406 NORTH MITCHELL ST CADILLAC, MI 49601 | BLUE CARE NETWORK OF MICHIGAN | — | $23 | $23 | 0.23% |
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 | 230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHGIAN | 609 | $2.5M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHGIAN | 609 | $2.5M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHGIAN | 609 | $2.5M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 274 | $14K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 226 | $30K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHGIAN | 609 | $2.5M |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 274 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 609 | — |
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."
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.