| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS, INC. | 1406 N MITCHELL ST CADILLAC, MI 49601 | BLUE CARE NETWORK OF MICHIGAN | $49K | — | $49K | 1.96% |
| RICHARD CHELTEN3 | 4768 PARVIEW CLARKSTON, MI 48346 | STANDARD LIFE & ACCIDENT INSURANCE COMPANY | $37K | — | $37K | 9.00% |
| JOHN O'CONNOR3 | 1406 N MITCHELL ST CADILLAC, MI 49601 | STANDARD LIFE & ACCIDENT INSURANCE COMPANY | $35K | — | $35K | 8.54% |
| MWL3 | P.O. BOX 14067 JACKSON, MS 392364067 | STANDARD LIFE & ACCIDENT INSURANCE COMPANY | $21K | — | $21K | 5.00% |
| JAY OFIELD3 | 1406 N MITCHELL ST CADILLAC, MI 49601 | STANDARD LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 1.46% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS, INC. | DBA 44 NORTH P.O. BOX 700 CADILLAC, MI 49601 | DELTA DENTAL OF MICHIGAN | $10K | — | $10K | 4.11% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS, INC. | 1406 N MITCHELL CADILLAC, MI 49601 | THE LICOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $3K | $21K | 17.36% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS, INC. | 1406 N MITCHELL CADILLAC, MI 49601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $1K | $9K | 17.29% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS, INC. | 1406 N MITCHELL CADILLAC, MI 49601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $1K | $9K | 17.37% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS, INC. | BRIAN COTE 1406 N MITCHELL ST CADILLAC, MI 49601 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $510 | — | $510 | 1.03% |
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 | 422 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 427 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 692 | $3.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 629 | $247K |
| Vision | VISION SERVICE PLAN | 250 | $38K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 487 | $50K |
| Short-term disability | THE LICOLN NATIONAL LIFE INSURANCE COMPANY | 482 | $120K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 482 | $50K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 692 | $3.0M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 487 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 692 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.