| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN O'CONNOR3 Filed as: JOHN F O'CONNOR | 1406 N MITCHELL ST CADILLAC, MI 496011129 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $42K | — | $42K | 1.47% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS | 1406 N MITCHELL ST CADILLAC, MI 496019601 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $11K | — | $11K | 0.39% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS, INC. | PO BOX 700 CADILLAC, MI 49601 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 2.74% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL ST CADILLAC, MI 496011129 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | — | $20K | 7.66% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL ST CADILLAC, MI 49601 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $36K | — | $36K | 14.95% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS | 1406 N MITCHELL ST CADILLAC, MI 49601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.47% |
| 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 INC3 Filed as: ADVANCED BENEFIT SOLUTIONS, INC. | PO BOX 700 CADILLAC, MI 49601 | DELTA DENTAL OF MICHIGAN | $1K | — | $1K | 5.80% |
| ADVANCED BENEFIT SOLUTIONS INC Filed as: ADVANCED BENEFIT SOLUTIONS, INC | 1406 N MITCHELL ST CADILLAC, MI 49601 | FSL | $193 | — | $193 | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ADVANCED BENEFIT SOLUTIONS INC AGENT | Other fees; Non-monetary compensation; Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 1406 N MITCHELL ST CADILLAC, MI 496019601 | $77K |
| JOHN F O'CONNOR AGENT | Other commissions; Non-monetary compensation; Insurance brokerage commissions and fees; Other fees; Insurance agents and brokers Service code 22 | 1406 N MITCHELL ST CADILLAC, MI 496011129 | $42K |
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 | 781 | 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) | 781 | 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 | 781 | $3.1M |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 782 | $283K |
| Vision(3 contracts, 3 carriers) | VISION SERVICE PLAN INSURANCE COMPANY | 274 | $67K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 467 | $265K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 467 | $265K |
| Long-term disability(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 467 | $265K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 781 | $2.9M |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 467 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 782 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.