| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN WHITE3 Filed as: BRIAN T COTE | 1406 N MITCHELL STREET CADILLAC, MI 496011129 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $16K | — | $16K | 2.14% |
| MARGARET R SOUTHWICK3 | 625 KENMOOR AVE STE 200 GRAND RAPIDS, MI 495462395 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $10K | — | $10K | 1.38% |
| ADVANCED BENEFIT SOLUTIONS INC4 | 1406 N MITCHELL STREET CADILLAC, MI 496011129 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $4K | $4K | 0.48% |
| BRIAN WHITE3 Filed as: BRIAN T COTE | 1406 N MITCHELL STREET CADILLAC, MI 496011129 | BLUE CARE NETWORK OF MICHIGAN | $6K | — | $6K | 1.75% |
| MARGARET R SOUTHWICK3 | 625 KENMOOR AVE STE 200 GRAND RAPIDS, MI 495462395 | BLUE CARE NETWORK OF MICHIGAN | $4K | — | $4K | 1.31% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL STREET CADILLAC, MI 496011129 | BLUE CARE NETWORK OF MICHIGAN | — | $2K | $2K | 0.69% |
| ADVANCED BENEFIT SOLUTIONS INC | 1406 N MITCHELL STREET CADILLAC, MI 496011129 | VISION SERVICES PLAN | — | — | $0 | 0.00% |
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 | 175 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 175 | 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 | 175 | $1.1M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 175 | $731K |
| Vision | VISION SERVICES PLAN | 68 | $7K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 175 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.