| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN WHITE3 Filed as: BRIAN T COTE | 1406 N MITCHELL STREET CADILLAC, MI 496011129 | BLUE CARE NETWORK OF MICHIGAN | $32K | — | $32K | 4.28% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL STREET CADILLAC, MI 496011129 | BLUE CARE NETWORK OF MICHIGAN | — | $599 | $599 | 0.08% |
| BRIAN WHITE3 Filed as: BRIAN T COTE | 1406 N MITCHELL STREET CADILLAC, MI 496011129 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $11K | — | $11K | 4.08% |
| ADVANCED BENEFIT SOLUTIONS INC4 | 1406 N MITCHELL STREET CADILLAC, MI 496011129 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $110 | $110 | 0.04% |
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 | 184 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 184 | $1.0M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 184 | $274K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 184 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.