| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN WHITE3 Filed as: BRIAN T COTE | 1406 N MITCHELL ST CADILLAC, MI 49601 | BLUE CARE NETWORK OF MICHIGAN | $44K | — | $44K | 1.26% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS, INC. | 1406 N MITCHELL ST CADILLAC, MI 49601 | BLUE CARE NETWORK OF MICHIGAN | $5K | — | $5K | 0.14% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL ST CADILLAC, MI 49601 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $64K | — | $64K | 14.82% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS, INC. | DBA 44 NORTH P.O. BOX 700 CADILLAC, MI 49601 | DELTA DENTAL OF MICHIGAN | $27K | — | $27K | 10.70% |
| BRIAN WHITE3 Filed as: BRIAN T COTE | 1406 N MITCHELL ST CADILLAC, MI 496011129 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $344 | — | $344 | 1.18% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS, INC. | D.B.A. 44 NORTH 1406 N MITCHELL ST CADILLAC, MI 496019601 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | — | $12 | $12 | 0.04% |
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 | 381 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 818 | $3.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 758 | $255K |
| Vision | VISION SERVICE PLAN | 304 | $48K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 611 | $430K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 611 | $430K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 611 | $430K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 818 | $3.5M |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 611 | $430K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 818 | — |
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."
No prospect flags tripped on this filing.