| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL T STELTER3 Filed as: MICHAEL STELTER | BUILDING D102 5090 STATE STREET SAGINAW, MI 48603 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $25K | — | $25K | 10.49% |
| MICHAEL T STELTER3 Filed as: MICHAEL T. STELTER | 5090 STATE ST SUITE D102 SAGINAW, MI 48603 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.06% |
| MICHAEL T STELTER3 Filed as: MICHAEL T. STELTER | 5090 STATE ST. SUITE D102 SAGINAW, MI 48603 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| BRIAN WHITE3 Filed as: BRIAN T COTE | 1406 N MITCHELL ST CADILLAC, MI 49601 | BLUE CROSS BLUE SHIELD | $20K | — | $20K | 146.28% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS | 1406 N MITCHELL ST CADILLAC, MI 49601 | BLUE CROSS BLUE SHIELD | — | $625 | $625 | 4.52% |
| MICHAEL T STELTER3 Filed as: MICHAEL T. STELTER | 5090 STATE ST. SUITE D102 SAGINAW, MI 48603 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MICHAEL T STELTER3 Filed as: MICHAEL STELTER | 5090 STATE STREET SUITE D102 SAGINAW, MI 48603 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $811 | — | $811 | 12.72% |
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 | 1,015 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,026 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 1,026 | $14K |
| Life insurance(3 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 1,390 | $271K |
| Short-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 1,390 | $242K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 1,390 | $255K |
| Prescription drug | BLUE CROSS BLUE SHIELD | 1,026 | $14K |
| Other(5 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 1,390 | $331K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,390 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.