| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELAINE ASH3 | 161 OTTAWA NW SUITE 301 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH INSURANCE COMPANY | $80K | — | $80K | 4.00% |
| ADVANCED BENEFIT SOLUTION3 Filed as: ADVANCED BENEFIT SOLUTIONS, IN | 1406 NORTH MITCHELL ST CADILLAC, MI 49601 | STARMOUNT LIFE INSURANCE COMPANY | $16K | $3K | $19K | 12.15% |
| BENEFIT PROFILES INC3 | 3358 EAGLE RUN DR NE UNIT 3 GRAND RAPIDS, MI 49525 | STARMOUNT LIFE INSURANCE COMPANY | $8K | — | $8K | 5.00% |
| ELAINE ASH3 | 406 MITCHELL ST CADILLAC, MI 49601 | PRIORITY HEALTH | $3K | — | $3K | 4.00% |
| ADVANCED BENEFIT SOLUTION3 Filed as: ADVANCED BENEFIT SOLUTIONS, IN | 1406 NORTH MITCHELL ST CADILLAC, MI 49601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $10K | 16.80% |
| BENEFIT PROFILES INC3 | 3358 EAGLE RUN DR NE UNIT 3 GRAND RAPIDS, MI 49525 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.00% |
| ADVANCED BENEFIT SOLUTION3 Filed as: ADVANCED BENEFIT SOLUTIONS, IN | 1406 NORTH MITCHELL ST CADILLAC, MI 49601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $471 | $4K | 17.00% |
| BENEFIT PROFILES INC3 | 3358 EAGLE RUN DR NE UNIT 3 GRAND RAPIDS, MI 49525 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.00% |
| ADVANCED BENEFIT SOLUTION3 Filed as: ADVANCED BENEFIT SOLUTIONS, IN | 1406 NORTH MITCHELL ST CADILLAC, MI 49601 | UNUM INSURANCE COMPANY | $1K | $202 | $2K | 17.31% |
| ADVANCED BENEFIT SOLUTION3 Filed as: ADVANCED BENEFIT SOLUTIONS, IN | 1406 NORTH MITCHELL ST CADILLAC, MI 49601 | UNUM INSURANCE COMPANY | $827 | $174 | $1K | 12.98% |
| ADVANCED BENEFIT SOLUTION3 Filed as: ADVANCED BENEFIT SOLUTIONS, IN | 1406 NORTH MITCHELL ST CADILLAC, MI 49601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $565 | $98 | $663 | 11.73% |
| BENEFIT PROFILES INC3 | 3358 EAGLE RUN DR NE UNIT 3 GRAND RAPIDS, MI 49525 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $283 | — | $283 | 5.01% |
| ADVANCED BENEFIT SOLUTION3 Filed as: ADVANCED BENEFIT SOLUTIONS, IN | 1406 NORTH MITCHELL ST CADILLAC, MI 49601 | UNUM INSURANCE COMPANY | $238 | $32 | $270 | 13.50% |
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 | 85 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 86 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 395 | $2.1M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 258 | $154K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 258 | $154K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 312 | $66K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 44 | $24K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 312 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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.