| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VINCENT J. ROSE3 Filed as: VINCENT W. BABCOCK | 620 SOUTH LAKE STREET MARQUETTE, MI 49855 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $41K | $0 | $41K | 4.53% |
| TGG SOLUTIONS3 | 588 3 MILE ROAD NW, SUITE 101 GRAND RAPIDS, MI 49544 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $9K | $0 | $9K | 0.96% |
| MATTHEW STAGGERS3 | 425 SOUTH MILL AVENUE, SUITE 401 TEMPE, AZ 85281 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | $0 | $2K | 0.22% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS INC. | 1406 NORTH MITCHELL STREET CADILLAC, MI 49601 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $1K | $1K | 0.14% |
| MID STATE FINANCIAL SERVICES INC3 Filed as: MID-STATE INSURANCE AND INVESTMENT | 7105 WEST MEQUON ROAD MEQUON, WI 53092 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 6.89% |
| BENIFIT LLC3 | 3145 EAST CHANDLER BOULEVARD SUITE 110-6 PHOENIX, AZ 85048 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.28% |
| MID STATE FINANCIAL SERVICES INC3 Filed as: MID-STATE FINANCIAL SERVICES INC. | 7105 WEST MEQUON ROAD MEQUON, WI 53092 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.58% |
| BENIFIT LLC3 | 20343 NORTH HAYDEN ROAD, SUITE 105 SCOTTSDALE, AZ 85255 | VISION SERVICE PLAN | $130 | $0 | $130 | 0.55% |
| VINCENT J. ROSE3 Filed as: VINCENT BABCOCK | 620 SOUTH LAKE STREET MARQUETTE, MI 49855 | AMFIRST | $7 | $0 | $7 | 10.45% |
| JOHN KELLY3 | 4768 PARKVIEW DRIVE CLARKSTON, MI 48346 | AMFIRST | $5 | $0 | $5 | 7.46% |
| MWL3 | PO BOX 14067 JACKSON, MS 39236 | AMFIRST | $3 | $0 | $3 | 4.48% |
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 | 199 | 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) | 199 | 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 | 184 | $911K |
| Vision | VISION SERVICE PLAN | 110 | $24K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 272 | $88K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 272 | $88K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 184 | $911K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 272 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.