| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN T COTE3 | 1406 N MITCHELL ST CADILLAC, MI 49601 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $109K | — | $109K | 3.04% |
| BRIAN T COTE3 | 1406 N MITCHELL ST CADILLAC, MI 49601 | BLUE CARE NETWORK OF MICHIGAN | $11K | — | $11K | 2.86% |
| ACRISURE LLC3 Filed as: ACRISURE GREAT LAKES PARTNERS INSUR | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $18K | — | $18K | 5.92% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS, INC | DBA 44N PO BOX 700 CADILLAC, MI 49601 | DELTA DENTAL OF MICHIGAN | $11K | — | $11K | 3.64% |
| ADVANCED BENEFIT SOLUTIONS INC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $46K | $32K | $78K | 26.00% |
| ADVANCED BENEFIT SOLUTIONS INC3 | DBA 44NORTH 1406 N MITCHELL ST CADILLAC, MI 49601 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.61% |
| ACRISURE LLC3 Filed as: ACRISURE GREAT LAKES PARTNERS INSUR | 223 WEST GRAND RIVER AVENUE #1 HOWELL, MI 48843 | EYEMED VISION CARE | $3K | — | $3K | 5.85% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS | DBA 44N 1406 N MITCHELL ST CADILLAC, MI 49601 | EYEMED VISION CARE | $977 | — | $977 | 2.04% |
| ADVANCED BENEFIT SOLUTIONS INC3 | DBA 44NORTH 1406 N MITCHELL ST CADILLAC, MI 49601 | METROPOLITAN LIFE INSURANCE COMPANY | $839 | — | $839 | 8.93% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL ST CADILLAC, MI 49601 | METROPOLITAN LIFE INSURANCE COMPANY | — | $419 | $419 | 4.46% |
| ADVANCED BENEFIT SOLUTIONS INC3 | DBA 44NORTH 1406 N MITCHELL ST CADILLAC, MI 49601 | METROPOLITAN LIFE INSURANCE COMPANY | $714 | $357 | $1K | 12.94% |
| ADVANCED BENEFIT SOLUTIONS INC3 | DBA 44NORTH 1406 N MITCHELL ST CADILLAC, MI 49601 | METROPOLITAN LIFE INSURANCE COMPANY | $557 | $279 | $836 | 17.86% |
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 | 409 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 416 | 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 | 636 | $4.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 982 | $310K |
| Vision | EYEMED VISION CARE | 959 | $48K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,031 | $299K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,031 | $299K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,031 | $299K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 636 | $4.0M |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,031 | $321K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,031 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.