| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL CADILLAC, MI 496010700 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $184K | — | $184K | 5.19% |
| JOHN O'CONNOR3 | PO BOX 700 CADILLAC, MI 496010700 | DELTA DENTAL OF MICHIGAN | $18K | — | $18K | 6.14% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL CADILLAC, MI 496010700 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22K | — | $22K | 24.41% |
| ERIN GERKE3 | 834 LAKEVIEW DR LAKE ODESSA, MI 488491293 | CONTINENTAL AMERICAN INSURANCE COMPANY | $227 | — | $227 | 0.25% |
| NICOLE LEE DOLPHIN3 | 5314 QUEST DR SW WYOMING, MI 494188354 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | — | $49 | 0.05% |
| EDWARD OTIS WALTER III3 | 3205 VALLEY OAKS DR WHITE LAKE, MI 483833447 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | — | $39 | 0.04% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL CADILLAC, MI 496011129 | AMERITAS LIFE INSURANCE CORP | $3K | — | $3K | 4.85% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL CADILLAC, MI 496010700 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL CADILLAC, MI 496010700 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL CADILLAC, MI 496011129 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL CADILLAC, MI 496010700 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ADVANCED BENEFIT SOLUTIONS INC AGENT | Other commissions; Insurance brokerage commissions and fees; Non-monetary compensation; Insurance agents and brokers; Other fees Service code 22 | 1406 N MITCHELL CADILLAC, MI 496011129 | $226K |
| JOHN O'CONNOR AGENT | Non-monetary compensation; Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions; Other fees Service code 22 | PO BOX 700 CADILLAC, MI 496010700 | $18K |
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 | 471 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 471 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 761 | $286K |
| Vision | AMERITAS LIFE INSURANCE CORP | 767 | $54K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 471 | $92K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 182 | $91K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 86 | $20K |
| Other(3 contracts, 2 carriers) | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 696 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 767 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.