| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED BENEFIT SOLUTION3 | 1406 NORTH MITCHELL STREET CADILLAC, MI 49601 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $22K | — | $22K | 3.51% |
| MICHAEL T STELTER3 | 5090 STATE ST STE D102 SAGINAW, MI 48603 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $10K | $22K | 5.59% |
| MICHAEL T STELTER3 | 5090 STATE ST STE D102 SAGINAW, MI 48603 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $4K | $8K | 7.79% |
| MICHAEL T STELTER3 | 5090 STATE ST STE D102 SAGINAW, MI 48603 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $4K | $18K | 19.19% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS | 1406 NORTH MITCHELL STREET CADILLAC, MI 49601 | BLUE CROSS BLUE SHIELD SOUTH CAROLINA | $3K | — | $3K | 4.15% |
| MICHAEL T STELTER3 | 5090 STATE ST STE D102 SAGINAW, MI 48603 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 13.74% |
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 | 1,308 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 100 | $615K |
| Dental | BLUE CROSS BLUE SHIELD SOUTH CAROLINA | 109 | $63K |
| Vision | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 100 | $6K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,743 | $49K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,743 | $385K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,743 | $102K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 100 | $615K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,743 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,743 | — |
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.