| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 353 N CLARK ST FL 10 CHICAGO, IL 60654 | DELTA DENTAL OF MICHIGAN | $16K | — | $16K | 4.95% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | 353 N CLARK ST STE 1100 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 10.00% |
| 44NORTH3 | P.O. BOX 747 MARQUETTE, MI 49855 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2 | — | $2 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE | 353 N CLARK ST FL 11 CHICAGO, IL 60654 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $33K | — | $33K | 58.99% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL ST CADILLAC, MI 49601 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $4K | $4K | 6.91% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | 353 N CLARK ST STE 1100 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.02% |
| 44NORTH3 | P.O. BOX 747 MARQUETTE, MI 49855 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$7 | — | -$7 | -0.02% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | 353 N CLARK ST STE 1100 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $459 | — | $459 | 10.02% |
| 44NORTH3 | P.O. BOX 747 MARQUETTE, MI 49855 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$1 | — | -$1 | -0.02% |
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 | 671 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 690 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 876 | $322K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 866 | $56K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 671 | $34K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 671 | $98K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 671 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 876 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.