| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VINCENT J. ROSE3 | PO BOX 747 MARQUETTE, MI 49855 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $89K | $0 | $89K | 1.67% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL ST CADILLAC, MI 49601 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $2K | $2K | 0.04% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL CADILLAC, MI 49601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | $8K | $32K | 20.10% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL CADILLAC, MI 49601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $2K | $18K | 16.41% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL CADILLAC, MI 49601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $3K | $17K | 18.69% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL CADILLAC, MI 49601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $801 | $3K | 20.01% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL CADILLAC, MI 49601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $300 | $1K | 19.25% |
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 | 505 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 505 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,058 | $5.3M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,058 | $5.3M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,058 | $5.3M |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 505 | $115K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 163 | $109K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 505 | $162K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 505 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,058 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.