| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN WHITE3 Filed as: BRIAN T COTE | 1406 N MITCHELL ST CADILLAC, MI 49601 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $37K | — | $37K | 3.22% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL ST CADILLAC, MI 49601 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 0.16% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL ST CADILLAC, MI 49601 | DEARBORN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 21.70% |
| ADVANCED BENEFIT SOLUTIONS INC3 | PO BOX 700 CADILLAC, MI 49601 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 24.07% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS | 1406 N MITCHEL ST CADILLAC, MI 49601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 24.12% |
| ERIN GERKE3 Filed as: ERIN M GERKE | 834 LAKEVIEW DRIVE LAKE ODESSA, MI 48849 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 12.49% |
| NICOLE DOLPHIN3 | 713 DORROLL ST NE GRAND RAPIDS, MI 49505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $397 | — | $397 | 3.28% |
| EDWARD O WALTER III3 Filed as: EDWARD O WALTER | PO BOX 1377 NOVI, MI 48376 | CONTINENTAL AMERICAN INSURANCE COMPANY | $212 | — | $212 | 1.75% |
| WILLIAM JOHNSON & ASSOC LLC3 | 1755 INDIAN LAKES CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 203 | $1.1M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 203 | $1.1M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 203 | $1.1M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 68 | $19K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 68 | $19K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 203 | $1.1M |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 68 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.