| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN WHITE3 Filed as: BRIAN T COTE | 1406 N MITCHELL ST CADILLAC, MI 496011129 | BLUE CARE NETWORK OF MICHIGAN | $37K | — | $37K | 1.65% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS | 1406 N MITCHELL ST CADILLAC, MI 49601 | BLUE CARE NETWORK OF MICHIGAN | $0 | $5K | $5K | 0.23% |
| BRIAN WHITE3 Filed as: BRIAN T. COTE | 1406 NORTH MITCHELL STREET CADILLAC, MI 496011129 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $28K | — | $28K | 51.17% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS INC. | 1406 NORTH MITCHELL STREET CADILLAC, MI 496011129 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $217 | $217 | 0.40% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL ST CADILLAC, MI 49601 | DEARBORN NATIONAL LIFE INSRUANCE COMPANY | $3K | $880 | $4K | 19.84% |
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 | 413 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 417 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 960 | $2.3M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 362 | $55K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 362 | $55K |
| Life insurance | DEARBORN NATIONAL LIFE INSRUANCE COMPANY | 413 | $18K |
| Other | DEARBORN NATIONAL LIFE INSRUANCE COMPANY | 413 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 960 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.