| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS | 1406 NORTH MITCHELL ST CADILLAC, MI 49601 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $108K | — | $108K | 4.30% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL ST CADILLAC, MI 496011129 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 5.12% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL ST CADILLAC, MI 49601 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $55K | — | $55K | 23.63% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS, INC. | PO BOX 700 CADILLAC, MI 49601 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 6.08% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS | 1406 N MITCHELL ST CADILLAC, MI 49601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 11.29% |
| UNITED BENEFIT ADVISORS INC HEADQU3 Filed as: UNITED BENEFIT ADVISORS INC - HQ | 280 E 96TH ST, STE 250 INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| ADVANCED BENEFIT SOLUTIONS INC Filed as: ADVANCED BENEFIT SOLUTIONS, INC | 1406 N MITCHELL ST CADILLAC, MI 49601 | FSL | $232 | — | $232 | 10.01% |
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 | 725 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 725 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 725 | $2.8M |
| Dental | DELTA DENTAL OF MICHIGAN | 73 | $28K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN INSURANCE COMPANY | 289 | $66K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 416 | $244K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 416 | $244K |
| Long-term disability(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 416 | $244K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 416 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 725 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.