| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN T COTE3 | 1406 N MITCHELL ST CADILLAC, MI 49601 | BLUE CARE NETWORK OF MICHIGAN | $18K | — | $18K | 3.15% |
| BRIAN T COTE3 | 1406 N MITCHELL ST CADILLAC, MI 49601 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $11K | — | $11K | 3.20% |
| ADVANCED BENEFI T SOLUTIONS, INC.3 | DBA 44 PO BOX 700 CADILLAC, MI 49601 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 6.02% |
| ACRISURE LLC3 Filed as: ACRISURE GREAT LAKES PARTNERS INSUR | BRIAN COTE 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 4.35% |
| ADVANCED BENEFIT SOLUTIONS DBA 44NO3 | 1406 N. MITCHELL ST. CADILLAC, MI 49601 | EYEMED VISION CARE | $2K | — | $2K | 11.15% |
| ACRISURE LLC3 Filed as: ACRISURE GREAT LAKES PTNRS | STE 1 HOWELL, MI 48843 | AMERICAN UNITED LIFE INSURANCE COMPANY | $980 | — | $980 | 11.26% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $326 | — | $326 | 3.75% |
| ACRISURE LLC3 Filed as: ACRISURE GREAT LAKES PTNRS | STE 1 HOWELL, MI 48843 | AMERICAN UNITED LIFE INSURANCE COMPANY | $687 | — | $687 | 11.29% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $226 | — | $226 | 3.71% |
| ACRISURE LLC3 Filed as: ACRISURE GREAT LAKES PTNRS | STE 1 HOWELL, MI 48843 | AMERICAN UNITED LIFE INSURANCE COMPANY | $417 | — | $417 | 12.20% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $96 | — | $96 | 2.81% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $30 | — | $30 | 8.24% |
| ACRISURE LLC3 Filed as: ACRISURE GREAT LAKES PTNRS | STE 1 HOWELL, MI 48843 | AMERICAN UNITED LIFE INSURANCE COMPANY | $24 | — | $24 | 6.59% |
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 | 72 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 72 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 111 | $912K |
| Dental | DELTA DENTAL OF MICHIGAN | 142 | $73K |
| Vision | EYEMED VISION CARE | 145 | $13K |
| Life insurance(4 contracts) | AMERICAN UNITED LIFE INSURANCE COMPANY | 46 | $19K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 111 | $912K |
| Other(4 contracts) | AMERICAN UNITED LIFE INSURANCE COMPANY | 46 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.