| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN O'CONNOR3 Filed as: JOHN F O'CONNOR | 1406 N MITCHELL ST CADILLAC, MI 49601 | BLUE CARE NETWORK OF MICHIGAN | $62K | — | $62K | 2.96% |
| JOHN O'CONNOR3 Filed as: JOHN F O'CONNOR | 1406 N MITCHELL ST CADILLAC, MI 496019601 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $41K | — | $41K | 3.23% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS, INC. | PO BOX 700 CADILLAC, MI 48601 | DELTA DENTAL OF MICHIGAN | $14K | — | $14K | 6.24% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS, INC. | 1406 N MITCHELL ST CADILLAC, MI 49601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $24 | $16K | 15.02% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS, INC. | 1406 N MITCHELL ST CADILLAC, MI 49601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $24 | $9K | 15.04% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS, INC. | 1406 N MITCHELL ST CADILLAC, MI 49601 | VISION SERVICE PLAN INSURANCE COMPANY | $3K | — | $3K | 4.85% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS, INC. | 1406 N MITCHELL ST CADILLAC, MI 49601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $24 | $5K | 15.08% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS, INC. | 1406 N MITCHELL ST CADILLAC, MI 49601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $24 | $3K | 15.14% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL CADILLAC, MI 49601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $24 | $2K | 15.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JOHN F O'CONNOR AGENT | Insurance brokerage commissions and fees; Non-monetary compensation; Other commissions; Insurance agents and brokers; Other fees Service code 22 | 1406 N MITCHELL ST CADILLAC, MI 496011129 | $103K |
| ADVANCED BENEFIT SOLUTIONS INC BROKER | Other commissions; Insurance brokerage commissions and fees; Non-monetary compensation; Insurance agents and brokers; Other fees Service code 22 | 1406 N MITCHELL ST CADILLAC, MI 496019601 | $51K |
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 | 566 | 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) | 566 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 452 | $3.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 728 | $228K |
| Vision | VISION SERVICE PLAN INSURANCE COMPANY | 286 | $56K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 373 | $99K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 48 | $17K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 452 | $3.4M |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 373 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 728 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.