| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR CORPORATION | 618 KENMOOR AVE STE 200 GRAND RAPIDS, MI 49546 | PAN AMERICAN | $14K | — | $14K | 5.00% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL CADILLAC, MI 49601 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 9.15% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL CADILLAC, MI 49601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DR URBANDALE, IA 50323 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL CADILLAC, MI 49601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DR URBANDALE, IA 50323 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $760 | $760 | 5.00% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL CADILLAC, MI 49601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DR URBANDALE, IA 50323 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $601 | $601 | 5.00% |
| ADVANCED BENEFIT SOLUTIONS INC | 1406 N MITCHELL CADILLAC, MI 49601 | EYEMED VISION CARE | $1K | — | $1K | 10.82% |
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 | 83 | 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) | 83 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PAN AMERICAN | 83 | $282K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 179 | $74K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 104 | $12K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 103 | $37K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 104 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.