| 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 OF MICHIGAN | $270K | $0 | $270K | 2.86% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL ST CADILLAC, MI 49601 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $7K | $7K | 0.07% |
| DAVID HONAMAN3 | 1406 NORTH MITCHELL STREET CADILLAC, MI 49601 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $85K | $0 | $85K | 4.03% |
| MICHAEL T STELTER3 Filed as: MICHAEL T STELTER & ASSOCIATES | 5090 STATE STREET BLDG D SAGINAW, MI 48603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $59K | $0 | $59K | 8.32% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $379 | $379 | 0.05% |
| DAVID HONAMAN3 | 1406 NORTH MITCHELL STREET CADILLAC, MI 49601 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $7K | $0 | $7K | 5.01% |
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 | 1,320 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 2,011 | $11.6M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 2,011 | $9.6M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 2,011 | $9.5M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,929 | $708K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,929 | $708K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,929 | $708K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 218 | $2.1M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,929 | $708K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,011 | — |
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."
No prospect flags tripped on this filing.