| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN O'CONNOR3 | 1406 N MITCHELL CADILLAC, MI 496010700 | BLUE CARE NETWORK OF MICHIGAN | $57K | — | $57K | 1.96% |
| JOHN O'CONNOR3 | 1406 N MITCHELL CADILLAC, MI 496010700 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $34K | — | $34K | 2.14% |
| JOHN O'CONNOR3 | PO BOX 700 CADILLAC, MI 496010700 | DELTA DENTAL OF MICHIGAN | $19K | — | $19K | 6.26% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL CADILLAC, MI 496010700 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31K | — | $31K | 25.96% |
| ERIN GERKE3 | 834 LAKEVIEW DR LAKE ODESSA, MI 488491293 | CONTINENTAL AMERICAN INSURANCE COMPANY | $143 | — | $143 | 0.12% |
| NICOLE LEE DOLPHIN3 | 5314 QUEST DR SW WYOMING, MI 494188354 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.04% |
| EDWARD OTIS WALTER III3 | 3205 VALLEY OAKS DR WHITE LAKE, MI 483833447 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.03% |
| ACRISURE LLC3 Filed as: ACRISURE GREAT LAKES PTR INS SVCS | 223 W GRAND AVE #1 HOWELL, MI 48843 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 12.63% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL CADILLAC, MI 496010700 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.37% |
| ACRISURE LLC3 Filed as: ACRISURE GREAT LAKES PTR INS SVCS | 223 W GRAND AVE #1 HOWELL, MI 48843 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 12.74% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL CADILLAC, MI 496010700 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $948 | — | $948 | 2.26% |
| ACRISURE LLC3 Filed as: ACRISURE GREAT LAKES PTR INS SVCS | 223 W GRAND AVE #1 HOWELL, MI 48843 | AMERITAS LIFE INSURANCE CORP | $3K | — | $3K | 6.90% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL CADILLAC, MI 496011129 | AMERITAS LIFE INSURANCE CORP | $2K | — | $2K | 4.17% |
| ACRISURE LLC3 Filed as: ACRISURE GREAT LAKES PTR INS SVCS | 223 W GRAND AVE #1 HOWELL, MI 48843 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 13.25% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL CADILLAC, MI 496011129 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $629 | — | $629 | 1.75% |
| ACRISURE LLC3 Filed as: ACRISURE GREAT LAKES PTR INS SVCS | 223 W GRAND AVE #1 HOWELL, MI 48843 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 13.47% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL CADILLAC, MI 496010700 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $237 | — | $237 | 1.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JOHN O'CONNOR AGENT | Other commissions; Insurance brokerage commissions and fees; Non-monetary compensation; Other fees; Insurance agents and brokers Service code 22 | PO BOX 700 CADILLAC, MI 496010700 | $110K |
| ADVANCED BENEFIT SOLUTIONS INC AGENT | Other commissions; Non-monetary compensation; Other fees; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 1406 N MITCHELL CADILLAC, MI 496011129 | $36K |
| ACRISURE GREAT LAKES PTR INS SVCS AGENT | Other fees; Insurance brokerage commissions and fees; Other commissions; Non-monetary compensation; Insurance agents and brokers Service code 22 | 223 W GRAND AVE 1 HOWELL, MI 488432270 | $22K |
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 | 485 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 485 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 498 | $4.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 739 | $297K |
| Vision | AMERITAS LIFE INSURANCE CORP | 639 | $38K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 485 | $115K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 196 | $119K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 73 | $36K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 498 | $4.5M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 485 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 739 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.