| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARL R MESSING3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 493169316 | BLUE CARE NETWORK OF MICHIGAN | $56K | — | $56K | 1.46% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MA 495039503 | BLUE CARE NETWORK OF MICHIGAN | $0 | $4K | $4K | 0.10% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL ST CADILLAC, MI 49601 | DEARBORN LIFE INSURANCE COMPANY | $62K | $22K | $84K | 20.76% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS, INC. | DBA 44 NORTH PO BOX 700 CADILLAC, MI 48601 | DELTA DENTAL OF MICHIGAN | $22K | — | $22K | 9.92% |
| CARL R MESSING3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 493169316 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $552 | — | $552 | 1.48% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 495039503 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | — | $12 | $12 | 0.03% |
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 | 503 | 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) | 508 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 585 | $3.9M |
| Dental | DELTA DENTAL OF MICHIGAN | 597 | $226K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 537 | $407K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 537 | $407K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 537 | $407K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 585 | $3.9M |
| Other | DEARBORN LIFE INSURANCE COMPANY | 537 | $407K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 597 | — |
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.