| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARL R MESSING3 | 691 N. SQUIRREL RD SUITE 190 AUBURN HILLS, MI 48326 | BLUE CARE NETWORK OF MICHIGAN | $47K | — | $47K | 1.42% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 495039503 | BLUE CARE NETWORK OF MICHIGAN | — | $4K | $4K | 0.13% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL ST CADILLAC, MI 49601 | DEARBORN LIFE INSURANCE COMPANY | $36K | — | $36K | 15.15% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS, INC. | DBA 44 NORTH PO BOX 700 CADILLAC, MI 49601 | DELTA DENTAL OF MICHIGAN | $21K | — | $21K | 10.08% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL ST CADILLAC, MI 496011129 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 4.47% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 1995 POINT TOWNSHIP DR NORTHUMERLAND, PA 178578856 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.49% |
| CARL R MESSING3 | 691 N. SQUIRREL RD SUITE 190 AUBURN HILLS, MI 48326 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $505 | — | $505 | 1.49% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 495039503 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | — | $13 | $13 | 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 | 469 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 529 | $3.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 541 | $204K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 683 | $383K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 683 | $383K |
| Long-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 683 | $383K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 529 | $3.4M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 683 | $383K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 683 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.