| 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 | $23K | — | $23K | 3.71% |
| BRIAN WHITE3 Filed as: BRIAN T COTE | 1406 N MITCHELL ST CADILLAC, MI 49601 | BLUE CARE NETWORK OF MICHIGAN | $15K | — | $15K | 3.10% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL ST CADILLAC, MI 49601 | DEARBORN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 19.58% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS | 1406 N MITCHELL ST CADILLAC, MI 49601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $623 | — | $623 | 7.18% |
| ERIN GERKE3 Filed as: ERIN M GERKE | 834 LAKEVIEW DRIVE LAKE ODESSA, MI 48849 | CONTINENTAL AMERICAN INSURANCE COMPANY | $128 | — | $128 | 1.48% |
| NICOLE DOLPHIN3 | 713 DORROLL ST NE GRAND RAPIDS, MI 49505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | — | $36 | 0.41% |
| EDWARD O WALTER III3 Filed as: EDWARD O WALTER | PO BOX 1377 NOVI, MI 48376 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.27% |
| WILLIAM JOHNSON & ASSOC LLC3 | 1755 INDIAN LAKES CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.07% |
| ADVANCED BENEFIT SOLUTIONS INC3 | PO BOX 700 CADILLAC, MI 49601 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $201 | — | $201 | 9.02% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS | 1406 N MITCHEL ST CADILLAC, MI 49601 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $78 | — | $78 | 7.03% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 162 | 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 | 200 | $1.1M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 200 | $609K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 200 | $609K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 81 | $23K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 200 | $1.1M |
| Other(4 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 81 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.