| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN WHITE3 Filed as: BRIAN T COTE | 1406 N MITCHELL ST CADILLAC, MI 49601 | BLUE CROSS BLUE SHIELD | $31K | — | $31K | 3.50% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS | 1406 N MITCHELL ST CADILLAC, MI 49601 | BLUE CROSS BLUE SHIELD | — | $16K | $16K | 1.77% |
| ADVANCED BENEFIT SOLUTION3 | 1406 NORTH MITCHELL STREET CADILLAC, MI 49601 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $30K | — | $30K | 5.16% |
| MICHAEL T STELTER3 | 5090 STATE ST STE D102 SAGINAW, MI 48603 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 3.00% |
| MICHAEL T STELTER3 | 5090 STATE ST STE D102 SAGINAW, MI 48603 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 15.00% |
| MICHAEL T STELTER3 | 5090 STATE ST STE D102 SAGINAW, MI 48603 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.00% |
| MICHAEL T STELTER3 Filed as: MICHAEL STELTER | BUILDING D102 5090 STATE STREET SAGINAW, MI 48603 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $10K | — | $10K | 11.63% |
| PLAN CHOICE, INC./MI3 | SUITE 850 155 ROMEO ROAD ROCHESTER, MI 48307 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.00% |
| MICHAEL T STELTER3 | 5090 STATE ST STE D102 SAGINAW, MI 48603 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
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 | 1,241 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD | 1,209 | $1.5M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD | 1,209 | $1.5M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD | 1,209 | $1.5M |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,829 | $228K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,829 | $432K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,829 | $179K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD | 1,209 | $1.5M |
| Other(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 1,829 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,829 | — |
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.