| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN O'CONNOR3 Filed as: JOHN F O'CONNOR | 1406 N MITCHELL ST CADILLAC, MI 49601 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $29K | — | $29K | 3.14% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL ST CADILLAC, MI 49601 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $101 | $101 | 0.01% |
| JOHN O'CONNOR3 Filed as: JOHN F O'CONNOR | 1406 N MITCHELL ST CADILLAC, MI 49601 | BLUE CARE NETWORK OF MICHIGAN | $6K | — | $6K | 3.44% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL ST CADILLAC, MI 49601 | AFLAC | $5K | — | $5K | 30.78% |
| JOY A RYBICKI3 | 71 129TH AVE WAYLAND, MI 493489414 | AFLAC | $2K | — | $2K | 9.22% |
| MARY EVELYN LEGGETT3 | 522 MAPLE ST ALLEGAN, MI 49010 | AFLAC | $2K | — | $2K | 9.22% |
| RONALD A DASHKOVITZ3 Filed as: RONALD ALLEN DASHKOVITZ | 1901 N FAIRVIEW AVE LANSING, MI 48912 | AFLAC | $1K | — | $1K | 7.44% |
| SARAH E MEANY3 Filed as: SARAH ELIZABETH MEANY | 3746 CHAMBERLAIN AVE SE GRAND RAPIDS, MI 495082610 | AFLAC | $838 | — | $838 | 4.85% |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 115 | 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 | 147 | $1.1M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 147 | $1.1M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 147 | $1.1M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 147 | $1.1M |
| Other | AFLAC | 28 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.