| 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 | $31K | — | $31K | 3.05% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL ST CADILLAC, MI 49601 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $83 | $83 | 0.01% |
| BRIAN WHITE3 Filed as: BRIAN T COTE | 1406 N MITCHELL ST CADILLAC, MI 49601 | BLUE CARE NETWORK OF MICHIGAN | $5K | — | $5K | 3.17% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL ST CADILLAC, MI 49601 | BLUE CARE NETWORK OF MICHIGAN | — | $17 | $17 | 0.01% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL ST CADILLAC, MI 49601 | DEARBORN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 22.96% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS | 1406 N MITCHEL ST CADILLAC, MI 49601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 12.65% |
| ERIN GERKE3 Filed as: ERIN M GERKE | 834 LAKEVIEW DRIVE LAKE ODESSA, MI 48849 | CONTINENTAL AMERICAN INSURANCE COMPANY | $453 | — | $453 | 2.65% |
| NICOLE DOLPHIN3 | 713 DORROLL ST NE GRAND RAPIDS, MI 49505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $119 | — | $119 | 0.70% |
| EDWARD O WALTER III3 Filed as: EDWARD O WALTER | PO BOX 1377 NOVI, MI 48376 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | — | $49 | 0.29% |
| WILLIAM JOHNSON & ASSOC LLC3 | 1755 INDIAN LAKES CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.11% |
| ADVANCED BENEFIT SOLUTIONS INC3 | PO BOX 700 CADILLAC, MI 49601 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $880 | — | $880 | 14.87% |
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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 113 | 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 | 178 | $1.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 178 | $1.0M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 178 | $1.0M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 76 | $18K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 178 | $1.2M |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 76 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.